US Pat. No. 9,378,356

TWO FACTOR AUTHENTICATION USING A ONE-TIME PASSWORD

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing machine-readable data; and
one or more hardware processors coupled to the non-transitory memory and configured to communicate over a network with a mobile
device of a user and with a plurality of websites and configured to read instructions from the non-transitory memory to cause
the system to perform operations comprising:

displaying a login prompt to the user at a merchant website from the plurality of websites;
receiving a phone number from the user having an account with a financial service provider (FSP), via the network, in response
to the login prompt;

transmitting a one-time password to a mobile phone using the phone number; and
in response to only receiving the one-time password from the user via the network,
authenticating, by the FSP, the user with the merchant website;
sharing, with the merchant website, profile information about the user from the user's account with the FSP, including a unique
identifier generated by the FSP that represents the user's account with the FSP, wherein the profile information is associated
with the unique identifier generated by the FSP;

logging the user directly into the merchant website based on the profile information and the unique identifier; and
logging the user, from the merchant website, into a second website of the plurality of websites based on the profile information
and the unique identifier without further use of the one-time password or phone number.

US Pat. No. 9,324,002

USER IDENTIFICATION AND PERSONALIZATION BASED ON AUTOMOTIVE IDENTIFIERS

PayPal, Inc., San Jose, ...

1. A system comprising:
at least one processor;
an imaging module, executable by the at least one processor, configured to receive image data of a vehicle from an image capture
device and to extract vehicle identification information from the image data;

a database interface module, executable by the at least one processor, configured to use the vehicle identification information
to retrieve a data record associated with a user;

a personalized communication module, executable by the at least one processor, configured to generate a personalized communication,
relating to physical goods for sale proximate to the image capture device, based on the retrieved data record; and

a point-of-sale device, located proximate to the physical goods for sale, configured to complete a transaction of at least
one of the physical goods for sale.

US Pat. No. 9,501,800

CENTRALIZED TRANSACTION RECORD STORAGE

PayPal, Inc., San Jose, ...

1. A system comprising:
a receiver configured to receive transaction information captured and passed from a client device to a payment service provider
server in response to the client device determining that information provided by a merchant server comprises transaction information,
wherein the transaction information is identified as being a receipt associated with transaction details for one or more particular
items purchased in a user-merchant transaction, wherein the information provided by the merchant server corresponds to a communication
from the merchant server to the client device;

a non-transitory memory configured to store the received transaction information in a searchable machine-readable transaction
record associated with a user account maintained at the payment service provider server; and

a hardware processor operatively coupled to the receiver and the non-transitory memory, the hardware processor configured
to execute instructions to cause the system to:

associate the transaction record with one or more user-selectable reorder links to one or more websites based on matching
one or more identifiers in the transaction record with at least a portion of an address of the one or more websites;

present, on a user interface of the client device, the one or more user-selectable links to the one or more websites to permit
a user to selectively re-purchase one or more particular items identified in the transaction record through the one or more
websites; and

in response to receiving an indication of a selection of the one or more user-selectable reorder links to the one or more
websites from the user via the user interface of the client device, process a re-purchase order of the one or more particular
items identified in the transaction record through the one or more websites to automatically cause a purchase transaction
for the one or more particular items.

US Pat. No. 9,438,588

PASSPORTING CREDENTIALS BETWEEN A MOBILE APP AND A WEB BROWSER

PAYPAL, INC., San Jose, ...

1. A system comprising:
a client device in communication via a network with a server and a common gateway interface;
a native app executing on one or more hardware processors of the client device to receive a device session token from the
server for authenticating a device session between the native app and the server, the device session token including credentials
authenticating a user for a device session between the server and the native app executing on the client device; and

an embedded web browser executing on one or more hardware processors of the client device, wherein:
the native app invokes the embedded web browser and the native app passes the device session token to the embedded web browser
for authentication of a web session between the embedded web browser and the common gateway interface that continues the device
session authentication without requiring additional authentication; and

the embedded web browser passes the device session token to the common gateway interface and receives from the common gateway
interface a web flow authorization token, converted from the device session token using the credentials for authenticating
the user for the device session between the server and the native app executing on the client device, for authenticating the
web session as a continuation of the device session authenticated by the device session token so that the web flow authorization
token and the device session token both share the same underlying device session and the device session remains active while
the web session is active.

US Pat. No. 9,483,937

WIRELESS BEACON DEVICES PROVIDING CROSSWALK MANAGEMENT THROUGH COMMUNICATION DEVICE CONNECTIONS

PAYPAL, INC., San Jose, ...

1. A system for controlling a setting of a crosswalk signal at a crosswalk location, the system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, at a crosswalk management server in communication with a first wireless beacon located at or near the crosswalk
location, first check-in information from a first communication device based on a first connection between the first communication
device associated with a first user and the first wireless beacon; wherein the first check-in information comprises at least
an identifier of the first communication device for establishing the first connection with the first wireless beacon when
the first communication device of the first user is in a proximity distance to the first wireless beacon;

retrieving, at the crosswalk management server, through the first wireless beacon, scheduling information for the first user
from a schedule application executing on the first communication device of the first user, wherein the scheduling information
for the first user comprises an upcoming appointment and the upcoming appointment location;

determining information about a road the first user is traversing using the crosswalk location or approaching to traverse
using the crosswalk location, wherein the information about the road is determined using the first check-in information and
the scheduling information;

determining the setting for the crosswalk signal at the crosswalk location based on the first check-in information, the scheduling
information, and the information about the road, wherein the setting adjusts an amount of time of the crosswalk signal at
the crosswalk location based on the scheduling information; and

communicating the setting to the crosswalk location to affect a change to the crosswalk signal at the crosswalk location.

US Pat. No. 9,363,215

VIDEO MAIL THROUGH PEER TO PEER NETWORK

PayPal, Inc., San Jose, ...

1. A system comprising:
a user interface module to execute a graphical user interface (GUI) on a first computer system, the GUI allowing a first user
to generate a message through a selection of a particular GUI element, the message comprising audio and video content, the
user interface module further to receive a selection of a signifier identifying a recipient user for the message; a recorder
module to record the audio and video data in response to receiving the selection of the particular GUI element;

an encoding module, comprising a processor of a machine, to encapsulate, using a video encoding protocol, the audio and video
data as a media stream; a decisional module to determine whether a second computer system has available memory space, the
second computer system corresponding to the recipient user, the decisional module further to determine whether devices residing
on the second computer system are enabled; and

a transmitter module to transmit, using a standard Internet protocol, the media stream to the second computer system in response
to a determination that the second computer system has available memory space and that devices operating on the second computer
system are enabled, the media stream being transmitted as one or more data packets to the second computer system utilizing
a standardized packet format;

wherein the first and second computer systems are communicatively coupled via a peer-to-peer network.

US Pat. No. 9,430,730

ANTI-SKIMMING PAYMENT CARD

PAYPAL, INC., San Jose, ...

1. A payment device comprising:
a read sensor configured to detect a reading of the payment device by a card reader;
a visual indicator on the payment device and configured to display visual content to a user; and
a controller configured to, without communication to a remote server:
count a number of readings detected by the read sensor; and
implement security settings based on the number of readings including:
displaying, by the visual indicator, information identifying the number of readings to the user; and
authenticating the user to enable payment from the payment device, responsive to a determination that the number of readings
exceeds a predefined limit.

US Pat. No. 9,443,256

FOCUSED ADVERTISING ACROSS MULTIPLE COMMUNICATION CHANNELS

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving, by an online publication system, information that includes the identity of a merchant and one or more products
sold by the merchant, and preferences of the merchant;

using the information to publish an advertising campaign across a plurality of communication channels;
in response to determining that at least one first communication channel of the plurality of communication channels satisfies
factors regarding a preference of the merchant for advertisements focusing on the merchant's identity, providing merchant-centric
advertisements via the at least one first channel; and

in response to determining that at least one second communication channel of the plurality of communication channels satisfies
factors regarding a preference of the merchant for advertisements focusing on the one or more products sold by the merchant,
providing product-centric advertisements that are different from the merchant-centric advertisements via the at least one
second channel.

US Pat. No. 9,432,838

SYSTEM AND METHODS FOR ACCOUNT CREATION USING A FEATURE PHONE

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing feature phone messaging information comprising a messaging protocol using a wireless phone
communication channel that includes non-Internet based communications; and

one or more hardware processors in communication with the non-transitory memory and configured to read instructions from the
non-transitory memory to cause the system to perform operations comprising:

receiving a request to establish a user account from a mobile transaction gateway, wherein the mobile transaction gateway
comprises at least an internal gateway in communication, through an Over The Air (OTA) server, with a mobile services carrier,
and wherein the request originates from a mobile device of a user, and wherein the mobile device communicates the request
to the mobile services carrier using the messaging protocol using the non-Internet based communications;

transmitting an option to create the user account to the mobile device of the user through the mobile transaction gateway,
wherein the option is displayed on an interface of the mobile device, wherein the internal gateway communicates the option
through the Over The Air (OTA) server to the mobile services carrier, and wherein the option is communicated to the mobile
device by the mobile services carrier through the messaging protocol by the mobile services carrier using the non-Internet
based communications;

receiving information corresponding to the user account if the user accepts the option, wherein the information comprises
at least a user phone number and a user identifier, and wherein the information is received using the messaging protocol;

requesting user financial information and a personal identification number (PIN);
receiving the user financial information and the PIN; and
creating the user account using the information, the user financial information and the PIN.

US Pat. No. 9,572,292

PORTABLE MECHANICAL SWITCH FOR SELECTIVE DEACTIVATION OF RADIO FREQUENCY IDENTIFICATION CIRCUITS

PAYPAL, INC., San Jose, ...

1. An apparatus for protecting an electronic device comprising:
a case having a cavity; and
a flexible, electrically conductive sheath inside the case and compressible between a first position and a second position,
wherein the electrically conductive sheath surrounds the electronic device in the first position and the electrically conductive
sheath surrounds only a portion of the electronic device in the second position, wherein the flexible, electrically conductive
sheath comprises a mesh of electrically conductive material that compresses and expands in an axial direction, and wherein
the flexible, electrically conductive sheath moves axially to move to the first position and compressing axially to move to
the second position.

US Pat. No. 9,407,709

INFORMATION PROVISION THROUGH TEMPORARY SOCIAL NETWORKS

PayPal, Inc., San Jose, ...

1. A system, comprising:
a database storing information for a plurality of location-based social networks, wherein each location-based social network
in the plurality of location-based social networks is associated with a respective physical location;

a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

connecting each of a plurality of first user devices to a first location-based social network in the plurality of location-based
social networks using a communications network, wherein the connection of each of a plurality of first user devices to the
first location-based social network is allowed at least in part due to each of the plurality of first user devices being located
within a predetermined proximity of a first physical location associated with the first location-based social network;

receiving a plurality of location-based user-generated content submissions about the first physical location associated with
the first location-based social network over the communications network from each of the plurality of first user devices connected
to the first location-based social network;

creating a location-based information feed that includes only the plurality of location-based user-generated content submissions
that are received from each of the plurality of first user devices connected to the first location-based social network such
that the location-based information feed includes only location-based user generated content submissions from first user devices
within the predetermined proximity of the first physical location;

disconnecting a subset of the plurality of first user devices from the first location-based social network at least in art
due to each of the subset of the plurality of first user devices being located outside of the predetermined proximity of the
first physical location associated with the first location-based social network, wherein the disconnecting prevents each of
the subset of the plurality of first user devices from providing further location-based user-generated content submissions
in the location-based information feed; and

providing the location-based information feed over the communications network to a second user device that is located outside
the predetermined proximity of the first physical location associated with the first location-based social network.

US Pat. No. 9,495,069

EXPANDED ICON FUNCTIONALITY

PayPal, Inc., San Jose, ...

1. An expanded icon functionality system, comprising:
a touchscreen;
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

causing a primary application icon that is associated with an application to be displayed on the touchscreen;
detecting a user input on the touchscreen that is directed to the primary application icon;
determining a gesture associated with the user input on the touchscreen;
in instances where the gesture associated with the user input on the touchscreen is determined to be a first gesture, automatically
launching a first version of the application;

in instances where the gesture associated with the user input on the touchscreen is determined to be a second gesture that
is different than the first gesture:

causing a plurality of secondary icons that are associated with the primary application icon to be displayed concurrently
with the primary application icon on the touchscreen; and

receiving a selection of a first secondary icon of the plurality of secondary icons and, in response, automatically launching
a second version of the application that is different than the first version of the application;

in instances where the gesture associated with the user input on the touchscreen is determined to be a third gesture that
is different than the first gesture and the second gesture:

causing a plurality of tertiary icons that are associated with the primary application icon and that are different than the
plurality of secondary icons to be displayed concurrently with the primary application icon on the touchscreen; and

receiving a selection of a first tertiary icon of the plurality of tertiary icons and, in response, automatically performing
a tertiary icon function that is associated with the application.

US Pat. No. 9,449,318

SYSTEMS AND METHODS FOR PROVIDING PAYMENT HOTSPOTS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving a first request from a first user device of a first user to generate a payment hotspot;
in response to receiving the first request, associating the first user with a payment hotspot identifier to be broadcasted
by short-range communications circuitry of the first user device;

in response to short-range communications circuitry of a second user device of a second user detecting the payment hotspot
identifier, receiving a second request for a payment from the second user device; and

facilitating a transfer of funds to the first user from the second user based on the second request.

US Pat. No. 9,454,292

METHOD AND SYSTEM FOR INTERFACE DATA UTILIZATION

PAYPAL, INC., San Jose, ...

16. A method comprising:
providing source interface data from a provider of applications via a network to enable a user of a client machine to access
functionality associated with the applications of the provider;

receiving response data over the network from an application different from the applications of the provider and unavailable
from the provider based on a service call to the application from a user request through a source user interface at the client
machine;

accessing the policy of the provider;
accessing interface definition data associated with the application;
rendering, by one or more hardware processors, target interface data based on the response data, the interface definition
data associated with the application, and the policy of the provider;

providing the target interface data from the provider to the client machine;
receiving an application request over the network from the application based on the providing of the service call; and
providing provider data from the provider to the application based on the receiving of the application request, wherein the
receiving of the response data is responsive to the providing of the provider data.

US Pat. No. 9,442,720

ADDING ON-THE-FLY COMMENTS TO CODE

PayPal, Inc., San Jose, ...

1. A computer-implemented method comprising:
receiving audio data comprising a comment for source code in a source code file;
receiving an indication of a location within the source code file with which to associate the comment;
converting the audio data to a textual representation of the comment;
storing, by a machine having a memory and at least one processor, the audio data and the textual representation of the comment
in association with the location within the source code file;

determining a location of a user;
determining a primary language of the user based, at least in part, on the determined location of the user;
causing an indication of the comment to be displayed at the location within the source code file to a user on a computing
device, the indication of the comment comprising a selectable link to the textual representation of the comment, the selectable
link being configured to cause the textual representation of the comment to be displayed to the user on the computing device
in response to a selection of the selectable link; and

causing the comment to be presented, to the user on the computing device, in the determined primary language of the user based
on the determination of the primary language.

US Pat. No. 9,378,293

METHOD AND APPARATUS TO AUTHOR AND MANAGE PAGES OF A WEBSITE

PAYPAL, INC., San Jose, ...

1. A method for authoring an output page, the method comprising:
reading page markup language data;
validating the page markup language data according to a schema for the page markup language;
presenting one or more available components defined using component markup language, the available components including pre-defined
layouts of an output page;

reading component markup language data, the component markup language data including at least one component reference from
the one or more available components;

validating the component reference in the page markup language data;
translating the page markup language data and the component markup language data to intermediate output page markup language
data;

translating the intermediate output page markup language data to first output page markup language data;
editing at least one component of the one or more available components, the at least one component referenced by the first
output page markup language data; and

updating the first output page markup language data based on the editing of the at least one component.

US Pat. No. 9,299,096

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ON-LINE GIFTING

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving, at a server, an identification of a first item to be purchased entered into a first electronic shopping cart that
facilitates an on-line transaction of a first merchant at which the first item was identified;

parsing, by the server, code of a page displaying the first electronic shopping cart to perform a screen scrape of a device
associated with a giver of the first item;

transferring, from the server, information from the parsed code to an e-commerce provider to search for the first item at
a second merchant different than the first merchant;

entering, by the server, the first item into a second universal electronic shopping chart maintained by the server in response
to locating the first item at the second merchant;

receiving, at the server, a method of payment for a value of the first item to the second shopping cart; and
sending, from the server, the value of the first item and a description of the first item to a recipient with at least a plurality
of electronic options from which the recipient may choose comprising:

accepting the first item with payment made; and
modifying the transaction in accordance with the value of the first item.

US Pat. No. 9,336,541

AUGMENTED REALITY PRODUCT INSTRUCTIONS, TUTORIALS AND VISUALIZATIONS

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving a request for information from a client device, the request including image data and a request type;
converting, using at least one processor, the image data into a digital fingerprint;
comparing the digital fingerprint to a plurality of stored fingerprints to identify an object in the image data; and
generating an augmented reality view of the identified object based on the request type, the generating of the augmented reality
view of the identified object comprising:

accessing instructions correlated with the identified object based on the request type including an instruction request, the
instructions stored in a database, and

determining location data for the instructions, the location data including coordinates in the image data; and
transmitting the augmented reality view to the client device.

US Pat. No. 9,360,998

SELECTION AND ORGANIZATION BASED ON SELECTION OF X-Y POSITION

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory storing user account information; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

communicating electronic data to a user device to enable an interface of the user device to display a list of items along
a vertical direction and a plurality of groups along a horizontal direction on the interface, wherein each item extends along
the horizontal direction such that a first area of each item with first alphanumeric characters aligns with a first group
of the plurality of groups and a second area of each item with second alphanumeric characters aligns with a second group of
the plurality of groups;

based on receiving a first input to the first area with the first alphanumeric characters of a first item from the list of
items, performing a full refund action of a first user account associated with the first group for the first item; and

based on receiving a second input to the second area with the second alphanumeric characters of a second item from the list
of items, performing a partial refund action of a second user account associated with the second group for the second item.

US Pat. No. 9,305,295

PAYMENT PROCESSING METHODS AND SYSTEMS

PAYPAL, INC., San Jose, ...

1. A transaction management system for use in completing a payment transaction between a customer operating a mobile device
and a merchant, the transaction management system comprising:
a communication port;
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving a message to initiate transaction processing sent from a point of sale device associated with the merchant,
generating pending transaction data associated with the transaction,
generating a checkout token,
communicating the checkout token to the point of sale device and/or the mobile device,
receiving, from the merchant, a merchant payment authorization request,
deteimining, from the merchant payment authorization request, information associated with the checkout token and information
identifying at least one of the merchant and/or a point of sale device,

receiving, from the mobile device, a customer transaction lookup request,
determining, from the customer transaction lookup request, information associated with the checkout token and information
identifying the customer,

updating the pending transaction data with information identifying the merchant and/or the point of sale device, the customer,
and at least one account of the customer,

causing a request message to be generated to request an authorization of the transaction, the request message comprising the
updated transaction information including information identifying the merchant and/or the point of sale device, the customer,
and the at least one account of the customer, and

communicating the request message to request an authorization of the transaction.

US Pat. No. 9,471,772

PASSWORD CHECK BY DECOMPOSING PASSWORD

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, by a service provider, a password from a user;
decomposing the password into components contained in the password;
determining whether the password is formed by the components using one or more rules of concatenation, insertion, and replacement;
determining a score for the password based on the one or more rules used for forming the password with at least one rule having
a different weighting than another rule; and

comparing the score to a threshold score.

US Pat. No. 9,756,032

IDENTITY DATA BASED ON AGGREGATING INPUT DATA

PAYPAL, INC., San Jose, ...

1. A computing device, comprising:
one or more sensors configured to receive a first plurality of inputs associated with a user, the one or more sensors configured
to determine whether the computing device is separated from the user;

a non-transitory memory having stored thereon instructions;
a communication interface;
one or more hardware processors coupled to the non-transitory memory and configured to execute the instructions to cause the
computing device to perform operations comprising:

determining first input data from a wearable device based on at least the first plurality of inputs;
modifying the authentication of the user account based on a determination of a separation of the computing device from the
user;

authenticating a user account associated with the user based on at least the first input data;
causing the communication interface to:
communicate with one or more other devices based on at least the authentication of the user account; and
based on a communication with the one or more other devices, access second input data from a second plurality of inputs associated
with the user;

determining passive input data from the second input data; and
verifying the authentication of the user account based on the passive input data, the passive input data comprising at least
one of movement data or size data associated with the user and the verifying being based at least in part on the at least
one of the movement data or the size data.

US Pat. No. 9,356,930

SECURE RANDOMIZED INPUT

PAYPAL, INC., San Jose, ...

1. A system comprising:
a transceiver for:
transmitting a random sequence to a user device associated with a user,
causing to be displayed on the user device a request for the user to insert the random sequence into a specific location of
a user credential, and

receiving the random sequence within the user credential from the user through the user device, wherein the random sequence
is included in the user credential by the user so that the random sequence and the user credential are both present; and

a processor for:
separating the user credential from the random sequence, and
determining whether the user credential separated from the random sequence matches an expected credential associated with
the user.

US Pat. No. 9,191,401

SIGNED RESPONSE TO AN ABUSIVE EMAIL ACCOUNT OWNER AND PROVIDER SYSTEMS AND METHODS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing user account information, wherein the user account information comprises email account information;
and

one or more hardware processors in communication with the non-transitory memory and configured to:
receive an email from a first email account on a second email account, wherein the email contains actionable content;
determine that a trust relationship exists between a first email server corresponding to the first email account and a second
email server corresponding to the second email account; and

transmit a reporting email to the first email account corresponding to the trust relationship, wherein the reporting email
comprises an alert of the actionable content that is separate from the email containing the actionable content and in response
to receiving the email from the first email account, wherein the reporting email includes a digital signature in an email
header to verify validity of the trust relationship, wherein the first email server determines the first email account is
malicious based on data in a secure field in the reporting email, and wherein the first email server flags the first email
account with a category of abuse using the data.

US Pat. No. 9,305,152

AUTOMATIC PIN CREATION USING PASSWORD

PAYPAL, INC., San Jose, ...

1. A service provider server system comprising:
a non-transitory memory storing a first alphanumeric password for a user account of a user; and
one or more hardware processors in communication with the non-transitory memory and configured to cause the service provider
server system to:

receive the first alphanumeric password for the user account of the user from a mobile application executing on a mobile device
of the user over a network connection;

determine a first rule to apply to the first alphanumeric password that transforms the first alphanumeric password to a first
personal identification number (PIN), wherein the first rule is unknown to the user;

generate the first PIN by converting the first alphanumeric password to the first PIN based on the first rule, wherein the
first PIN is unknown to the user when the first PIN is generated and does not contain more characters than the first alphanumeric
password, wherein the first PIN is numeric, and wherein the user is not notified of the first PIN;

receive, by the service provider server, a request to access the user account from one of the mobile device or an automatic
teller machine (ATM);

notify the user of the first rule through a display interface of the one of the mobile device or the ATM;
receive user input comprising a second PIN through the one of the mobile device or the ATM; and
grant access to the user account in response to determining that the second PIN matches the first PIN.

US Pat. No. 9,298,785

METHODS, SYSTEMS, AND APPARATUS FOR GENERATING SEARCH RESULTS

PayPal, Inc., San Jose, ...

12. A method for generating a search result set, the method comprising:
obtaining one or more user item selections of a search result set;
performing a computer-implemented analysis of the search result set based at least in part on one or more attributes of the
one or more user item selections of the search result items, the one or more attributes obtained from a data structure associated
with the one or more user item selections of the search result items, wherein the analysis analyzes one or more attributes
of one or more items of the search result set that are not selected by the user; and

identifying, based on the computer-implemented analysis of the search result set, one or more additional search terms, wherein
the identifying comprises identifying an exclusionary filter that excludes items from a search result set, the identification
based on the one or more user item selections having an attribute that is an alternative to an attribute corresponding to
the exclusionary filter.

US Pat. No. 9,288,321

INTERACTIVE VOICE RESPONSE INTERFACE FOR WEBPAGE NAVIGATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing a software component library for use with interactive voice response (IVR) information for
a plurality of webpages; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

determine IVR flow information from each webpage element of a plurality of webpage elements in a webpage, wherein the IVR
flow information comprises a sequence of audio outputs for presentation of the plurality of webpage elements to a user using
a device;

transmit the software component library to the device for processing on a user initiation to present an IVR interface to the
user using the IVR flow information, wherein the user utilizes the IVR interface to enter at least one input to at least one
of the plurality of webpage elements in response to the sequence of the audio outputs; and

receive the at least one input from the user.

US Pat. No. 9,407,614

SYSTEMS AND METHODS FOR DETERMINING AN AUTHENTICATION ATTEMPT THRESHOLD

PAYPAL, INC., San Jose, ...

1. An authentication system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving an authentication request from a user;
accessing an authentication attempt history for the user;
identifying a sequence of authentication attempts in the authentication attempt history, the sequence of authentication attempts
occurring over a predetermined amount of time;

determining a length of time since a most recent successful authentication attempt by the user;
determining an estimate of a probability of successful authentication based on a function that computes a ratio of the length
of time since the most recent successful authentication and a product of a number of successful authentications in the sequence
of authentication attempts and a number of successful authentications in the authentication attempt history;

determining an authentication attempt threshold based on the probability;
determining whether the authentication request is successful; and
when the authentication request is not successful:
increasing a count of a number of failed authentication attempts; and
performing a security action when the count equals the authentication attempt threshold.

US Pat. No. 9,361,647

SYSTEM AND METHOD TO ALLOW ACCESS TO A VALUE HOLDING ACCOUNT

PayPal, Inc., San Jose, ...

1. A method comprising:
transmitting, in response to a selection at a device imprinted with a first account code that identifies a value holding account,
from the device, a request for a second account code that is usable to access the value holding account;

receiving, at a server, from the device imprinted with the first account code that identifies the value holding account, the
request for the second account code;

responsive to the request, generating the second account code; and
communicating, to the device, the second account code.

US Pat. No. 9,294,293

VIRTUAL CONTACT CARDS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing one or more merchant virtual contact cards associated with one or more respective merchants;
and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, from a first user through a user device, contact card information designating one of the merchant virtual contact
cards associated with a merchant and recipient information designating one or more recipients;

determining, from the contact card information, the designated merchant virtual contact card by searching among the one or
more merchant virtual contact cards in the non-transitory memory for the designated merchant virtual contact card;

determining, from the recipient information, one or more designated contact channels of the one or more designated recipients;
sending the designated merchant virtual contact card to be stored as local copies on one or more user devices of the one or
more designated recipients via the one or more designated contact channels;

automatically updating, via a client application, the local copies of the designated merchant virtual contact card on the
one or more user devices by sending only a modified portion of the designated merchant virtual contact card via at least one
contact channel selected from a plurality of contact channels according to restrictions established for each recipient of
the merchant virtual contact card when registering with a service provider, the restrictions including specific time and order
of preferred contact channels to send the modified portion of the designated merchant virtual contact card; and

providing, via the client application, a notification on the one or more user devices in response to the merchant providing
promotional or sale information via the designated merchant virtual contact card.

US Pat. No. 9,230,272

SMART LINE ROUTING USING WIRELESS BEACONS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing user tracking information for a user; and
one or more hardware processors in communication with the non-transitory memory and configured to:
access the user tracking information comprising at least one connection between a user device for the user and at least one
wireless beacon of a plurality of wireless beacons in a merchant location for a merchant, wherein the merchant location corresponds
to a single location where the merchant sells a plurality of items, and wherein the plurality of wireless beacons are located
within the single location comprising the merchant location;

determine an expected checkout time for the user using the user tracking information based on at least one item the user has
selected for purchase from the plurality of items available at the merchant location;

determine a first checkout line from a plurality of checkout lines at the merchant location for the user using the expected
checkout time and a current wait time for each of the plurality of checkout lines; and

communicate the first checkout line to the user.

US Pat. No. 9,167,136

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR DIGITAL IMAGE CAPTURE

PAYPAL, INC., San Jose, ...

1. An electronic system comprising:
an input/output interface operable to receive an input from a user and communicate an output to the user;
a transceiver operable to electronically communicate with a computer network;
a computer processor operable to execute instructions;
an optical image capture device in communication with the processor; and
a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable
to cause the electronic system to:

capture video data using video functionality of the optical image capture device;
store a plurality of still images based on the video data;
identify a first one of the plurality of still images as a nominal still image;
identify one or more of the plurality of still images as associated still images;
provide an option on the input/output interface for the user to select one of the associated still images to replace the nominal
still image; and

provide an option on the input/output interface for the user to select a portion of the nominal still image and to replace
the selected portion of the nominal still image with a corresponding portion of one of the associated still images.

US Pat. No. 9,152,812

SENSITIVE DATA PROTECTION DURING USER INTERFACE AUTOMATION TESTING SYSTEMS AND METHODS

PAYPAL, INC., San Jose, ...

9. A method comprising:
receiving a data file including a first encrypted data key, wherein the first encrypted data key is logged in the data file,
and wherein the data file is a test data file for a website user interface automation test;

determining a first cipher text corresponding to the first encrypted data key using a conversion kit, wherein the conversion
kit includes a cipher mapping file and an encryption algorithm; and

decrypting, using one or more hardware processors of a website server, the first cipher text using the encryption algorithm
to obtain a first data.

US Pat. No. 9,292,677

DEVICE REPUTATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a network interface component for collecting at least one parameter for a communication device;
a non-transitory memory storing the at least one parameter, device history data for the communication device, at least one
device attribute for the communication device, and a network risk determination associated with the communication device;
and

at least one hardware processor coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

generating a universally unique identifier (UUID) for the communication device using the at least one parameter;
determining, a risk level for the communication device using the device history data, the at least one device attribute, and
the network risk determination comprising a weight of the network risk determination in the risk level that decreases with
an increasing length of time since an update of the network risk determination and a weight of the network risk determination
for an IP address that is based on a timestamp of calculating the network risk determination for the IP address and that decreases
in significance as the timestamp ages;

associating, the risk level with the UUID,
and wherein the update of the network risk determination is based on an additive increase/multiplicative decrease (AIMD) algorithm.

US Pat. No. 9,262,739

METHOD, MEDIUM, AND SYSTEM FOR SESSION BASED SHOPPING

PAYPAL, INC., San Jose, ...

1. A commerce infrastructure system comprising:
a transaction database configured to store transaction information; and
one or more computer processors in communication with the transaction database and configured to perform the following operations:
receiving user information indicating a beginning of a shopping session;
generating a session identifier corresponding to the shopping session and a user identified by the user information, wherein
the session identifier is generated based on a hash of an identity of the user, an identity of a shopping facility, and a
value corresponding to the shopping session;

receiving a selection of a product;
associating the product with the session identifier;
notifying an electronic shopping system of the associating of the product with the session identifier;
obtaining a price for the product;
arranging for a transfer of funds from a user account to a shopping facility account as payment for the product, wherein the
shopping facility account is identified by the identity of the shopping facility obtained from the session identifier; and

receiving a confirmation of the payment.

US Pat. No. 9,197,624

USING CLOCK DRIFT, CLOCK SKEW, AND NETWORK LATENCY TO ENHANCE MACHINE IDENTIFICATION

PAYPAL, INC., San Jose, ...

1. A method for authenticating a user device that acts as a client communicating with a server via a network, the method comprising:
accessing a correspondence of a plurality of network latency based user device signatures to user identities in a database;
comparing a geography information mapped to a user identity determined from a user identity material;
accessing a correspondence of a plurality of network latencies mapped by geography, by the scheduling aspects for the network,
and by the scheduling aspects for particular user devices to user identities in the database;

comparing a current network latency of the user device to the plurality of network latencies mapped in the database by geography,
scheduling aspects for the network, and scheduling aspects for particular user devices;

authenticating the user device from a current user device signature of the user device and the current network latency of
the user device based on the correspondence of the user device signatures to user identities in the database and the correspondence
of the network latencies mapped by geography, by the scheduling aspects for the network, and by the scheduling aspects for
particular user devices to user identities in the database; and

increasing a confidence in the authentication if the current network latency from a location of the user device is consistent
with the network latency for the location mapped in the database by geography and the location is consistent with the geography
information mapped in the database to the user identity determined from the user identity material.

US Pat. No. 9,430,581

METHOD AND SYSTEM FOR DETECTING SLOW PAGE LOAD

PayPal, Inc., San Jose, ...

1. A computer-implemented system comprising:
at least one processor coupled to a memory, the at least one processor comprising:a page request detector to detect a request for a web page communicated from a client computer to a web server,
a time-out module to commence a time-out period in response to the request for the web page,
a time-out monitor to determine that rendering of a rich version of the requested page has not commenced at an expiration
of the time-out period, and

a lightweight page requestor to cause a lightweight version of the requested page to be provided to the client computer in
response to the determining.

US Pat. No. 9,390,256

SYSTEM AND METHODS FOR SECURE ENTRY OF A PERSONAL IDENTIFICATION NUMBER (PIN)

PAYPAL, INC., San Jose, ...

1. A credential character selection system, the system comprising:
a non-transitory memory;
a network interface component;
a display device;
one or more sensors, the one or more sensors configured to:
detect a character selection and generate a character selection signal;
detect a character selection completion and generate a character selection completion signal; and
one or more hardware processors coupled to the non-transitory memory, the network interface component, the display device,
and the one or more sensors, the one or more hardware processors being configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, via the network interface component and from a remote server, a random sequence of characters and a display rate;
displaying, on the display device, the random sequence of characters;
begin highlighting each character in the random sequence of characters in turn based on the display rate;
determining an elapsed time between the beginning of the highlighting and the generation of the character selection signal;
generating an output signal comprising the elapsed time, the elapsed time being usable by the remote server to determine a
selected one of the characters in the random sequence of characters; and

transmitting the output signal to the remote server.

US Pat. No. 9,386,117

SERVER SIDE DATA CACHE SYSTEM

PayPal, Inc., San Jose, ...

1. A system having processor and memory comprising:
a cache service module configured to receive a cookie comprising location data from a user device, the location data comprising
a database identifier, the database identifier identifying a first database of a plurality of databases, each database of
the plurality of databases comprising application data;

a data locator module to derive a location of the first database of the plurality of databases based on the database identifier;
and

a data interface module to receive new location data from a database server hosting a second database, the new location data
comprising a new database identifier, request application data from the second database of the plurality of databases, the
second database corresponding to the new database identifier, and transmit the new location data to a client browser in a
second cookie.

US Pat. No. 9,219,792

METHOD AND SYSTEM TO PRE-FETCH DATA IN A NETWORK

PayPal, Inc., San Jose, ...

1. A computer-implemented method of pre-fetching in a network, comprising:
receiving a request from a user device for a first network-accessible data item in the plurality of network-accessible data
items;

transmitting the first network-accessible data item to the user device;
identifying a second network-accessible data item in the plurality of network-accessible data items; and
transmitting the second network-accessible data item to the user device, the second network-accessible data item being transmitted
before receiving a request for the second network-accessible data item from the user device, and wherein prior to transmitting
the first network-accessible data item the method further comprises embedding pre-fetch logic into the first network-accessible
data item, the pre-fetch logic being executable by the user device or a server to cause the user device or the server to pre-fetch
the second network-accessible data item.

US Pat. No. 9,201,632

SYSTEMS AND METHODS FOR INCREMENTAL SOFTWARE DEVELOPMENT

PayPal, Inc., San Jose, ...

1. A method, comprising:
receiving, from a development environment, a modification of source code for a first library of a plurality of binary libraries;
identifying, by a processor, a second library of the plurality of libraries based on dependency metadata of the second library
that indicates a dependency of the second library on the modified source code, the dependency metadata of the second library
including a hash value to verify the identity of the second library, source code for the second library being inaccessible
to the development environment;

determining, based on the identification of the second library, that the modified source code necessitates a modification
to the second library;

in response to the determination, providing access to the source code for the second library to the development environment;
and

causing the development environment to present the source code for the second library.

US Pat. No. 9,148,685

METHOD AND SYSTEM FOR TARGETED COMMERCE IN NETWORK BROADCASTING

PAYPAL, INC., San Jose, ...

1. A system for targeted commerce in network broadcasting comprising:
an interface device configured to:
receive a multimedia stream from a network, wherein the multimedia stream comprises a closed captioning string;
determine first correlations between a user profile and the closed captioning string and metadata describing the contents
of a video frame of the multimedia stream;

increase a probability that corresponding advertisements will be provided in the multimedia stream when the first correlations
include a second correlation between the user profile and the closed captioning string and a third correlation between the
user profile and the metadata;

determine the corresponding advertisements based on the increased probability;
process the multimedia stream by providing the corresponding advertisements in the multimedia stream according to the determination;
and

provide the processed multimedia stream for viewing.

US Pat. No. 9,129,102

HARDENING SECURITY IMAGES

PAYPAL, INC., San Jose, ...

1. A system comprising:
a memory storing one or more images that have been viewed by a user and storing account information for the user, the account
information including personal image information for the user that is indicative of the user's identification or characterization
of the one or more images; and

a processor operable to:
receive a communication including an indication of a desire of a user to be authenticated;
access an account of the user;
modify the one or more images to form one or more modified images;
provide the one or more modified images to the user;
receive trial personal image information from the user, the trial personal image information being indicative of the user's
identification or characterization of the one or more modified images;

compare the personal image information stored in the memory to the trial personal image information received from the user;
and

authenticate the user if the personal image information stored in the memory is the same as the trial personal image information.

US Pat. No. 9,361,393

USER INTERFACE OVERLAY APPLICATION

PayPal, Inc., San Jose, ...

1. A computer operated method comprising:
creating, at a computer system by one or more computer processors, a user overlay interface application that includes information
comprising a first user interface layout format, the user overlay interface application configured to enable a client machine
to perform the operation of:

responsive to receiving a user interface presented in a second user interface layout format that comprises functional selectable
icons, applying the user overlay interface application to the user interface presented in a second user interface layout format
to modify the second user interface layout format to the first layout format by moving the location of at least some of the
functional selectable icons of the user interface presented in the second layout format; and

communicating the user overlay interface application to the client machine by at least one of the one or more computer processors.

US Pat. No. 9,355,533

POINT-OF-SALE SYSTEMS

PAYPAL, INC., San Jose, ...

1. A point-of-sale system, comprising:
a register component; and
a housing coupled to the register component, the housing configured to removably enclose a computing device having a touch-enabled
display such that the touch-enabled display is accessible while inside the housing and the computing device is removable from
the housing, the housing having a locking mechanism that unlocks the housing when an access card is swiped through a card
reader attached to the housing.

US Pat. No. 9,262,758

TRAVEL ACCOUNT

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing a user account with a payment provider; and
one or more hardware processors of a payment provider in communication with the non-transitory memory and configured to:
access an itinerary for a user, wherein the itinerary comprises a location for a user, and wherein the user sets one or more
restrictions on the user account based on the itinerary;

determine the user is at the location from the itinerary using location services of a mobile device for the user;
receive, from a mobile application of the mobile device, authentication information to access the user account from the user
when the user is at the location specified in the user account, wherein the authentication information includes a randomly
generated password using a security token entered by the user to the mobile application with the authentication information,
and wherein the security token comprises a soft token generator application executed by the mobile device;

receive a payment request;
determine the location and a type of purchase from the payment request; and
authorize the payment request using the authentication information, the location, the one or more restrictions, and the type
of purchase.

US Pat. No. 9,224,140

NEAR FIELD COMMUNICATION ACTIVATION AND AUTHORIZATION

PAYPAL, INC., San Jose, ...

1. An apparatus comprising:
a near field communication (NFC) enabled device adapted to:
communicate login information and a public key associated with the NFC enabled device via a network to a server;
receive packet data from the server sent in response to the login information;
communicate a corresponding code to the server in response to the receipt of the packet data, wherein the receipt of the packet
data and the communication of the corresponding code facilitates activation and authorization of the NFC enabled device; and

store the packet data and access the stored packet data to permit subsequent activation of the NFC enabled device via an NFC
link without further authorization of the NFC enabled device.

US Pat. No. 9,208,482

TRANSACTION TOKEN ISSUING AUTHORITIES

PAYPAL, INC., San Jose, ...

1. A method for operating a device associated with a first party to identify a second party participating in a transaction
with the first party, the method comprising:
obtaining a token for use in said transaction, said token including information usable to identify a communication path to
one of a plurality of token issuers and a value of said token; and

providing said token to a second device associated with said second party;
wherein said second device transmits said value of said token to said one of said plurality of token issuers with information
usable to identify said second party.

US Pat. No. 9,197,514

SERVICE LEVEL AGREEMENT BASED STORAGE ACCESS

PayPal, Inc., San Jose, ...

1. A method comprising:
translating a generic data operation request received from a data storage consumer, using one or more processors, to a specific
request for a storage server where the data storage consumer has provisioned storage;

communicating to the storage server the specific request;
communicating to the data storage consumer a received response to the specific request;
determining service level agreement performance data based on the data requested and a time delay between sending the specific
request to the storage server and receiving the response from the storage server;

detecting an actual or potential service level agreement violation of a service level agreement, based on the service level
agreement performance data; and

issuing an alert ticket in response to the actual or potential service level agreement violation that includes a recommendation
for a remedial action to maintain the service level agreement, the recommendation specifying an amount and type of resource
to alter to maintain the service level agreement, the remedial action corresponding to increasing a processing capacity associated
with the storage server.

US Pat. No. 9,407,705

PROXIED PUSH NOTIFICATIONS BASED ON USER INTERACTION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a network interface component;
a non-transitory memory storing instructions; and
one or more hardware processors coupled to the network interface component and to the non-transitory memory, the one or more
hardware processors being configured to read instructions from the non-transitory memory to cause the system to perform operations
comprising:

receiving, via the network interface component, an interaction request from a user device of a user for an interaction with
a location;

assigning an interaction identifier to the interaction request, wherein the interaction identifier is not based on information
of the user, and wherein the interaction identifier does not provide personal contact information of the user to the location;

storing the interaction identifier in the non-transitory memory;
receiving, via the network interface component, a notification from the location to be provided to the user, wherein the notification
includes the assigned interaction identifier;

obtaining the user device based on the assigned interaction identifier; and
pushing the notification, via the network interface component, to the user device associated with the interaction identifier.

US Pat. No. 9,135,548

PORTABLE MECHANICAL SWITCH FOR SELECTIVE DEACTIVATION OF RADIO FREQUENCY IDENTIFICATION CIRCUITS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a case having an opening for inserting an authentication device and an inside shaped to accept the authentication device,
wherein the case allows the authentication device to remain visible when the authentication device is inside the case;

a flexible, electrically conductive sheath inside the case; and
a sleeve inside the case for holding the authentication device inside the sleeve, wherein:
the sheath has a first position and a second position, and is readily moveable between the two positions, and
the sheath surrounds the sleeve so that the sheath remains between the case and sleeve when moving between the first position
and the second position,

wherein:
in the first position, when the authentication device is inside the case, the electrically conductive sheath encloses the
authentication device and the authentication device remains visible through the sheath; and

in the second position, the sheath does not enclose the authentication device.

US Pat. No. 9,288,198

LOGIN USING QR CODE

PAYPAL, INC., San Jose, ...

1. A provider server system, comprising:
a non-transitory memory comprising instructions; and
one or more hardware processors coupled to the non-transitory memory, and configured to read the instructions to cause the
provider server system to perform operations comprising:

generating, by a code generation unit of the one or more hardware processors, encoded data;
transmitting the encoded data to a first device to display quick response data on a graphical user interface (GUI) of the
first device;

receiving credential information from a second device, wherein the credential information corresponds to the quick response
data processed by a quick response component of the second device based at least on a physical scan of the quick response
data displayed on a surface of the GUI interface of the first device;

determining a level of trust associated with the credential information that corresponds to the quick response data processed
by the quick response component of the second device based at least on the physical scan of the quick response data displayed
on the surface of the GUI interface of the first device; and

sending a security token to a website server that enables a data transmittal associated with the first device and the website
server based at least on the level of trust determined.

US Pat. No. 9,275,340

SYSTEM AND METHOD FOR GRAPH PATTERN ANALYSIS

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving pattern data of a primary network that includes data relating to relationships between entities;
generating a pattern characteristic set based on extracted pattern characteristics extracted from the pattern data;
generating, using a processor of a machine, a secondary network based on the pattern data of the primary network by using
an algorithm that processes the pattern characteristics extracted from the pattern data, the generating the secondary network
comprises combining selected historical data and the pattern characteristic set based on a crossover or mutation function;
and

providing the generated secondary network for further analysis.

US Pat. No. 9,154,555

DEVICE SPECIFIC REMOTE DISABLING OF APPLICATIONS

PAYPAL, INC., San Jose, ...

1. A method comprising:
collecting autonomously, by a service provider processor of a service provider, information associated with an enabled feature
set of an application specific to a remote client device, and information associated with the client device, wherein the client
device runs the application to conduct one or more transactions with the service provider, and wherein the information associated
with the client device comprises a location;

detecting, by the service provider processor, at least one suspicious activity indicative of an attempt to breach data security
or system integrity of the service provider using the collected information;

determining, by the service provider processor, a risk assessment for the remote client device from the at least one suspicious
activity;

determining from the collected information, by the service provider processor, one or more features of the enabled feature
set of the application to disable on the client device using a predefined set of rules comprising a position based feature
set specific to the location that determine the features of the application to disable from the collected information and
types of the one or more transactions conducted by the client device if the transactions are considered, and otherwise determines
the features of the application to disable from the collected information independent of the one or more transactions conducted
by the client device with the service provider;

disabling remotely, by the service provider processor, the features of the application on the client device without affecting
a second client device that runs the application by at least requiring additional authentication to utilize the features;
and

disabling remotely, by the service provider processor, the application entirely if the risk assessment meets a severity threshold.

US Pat. No. 9,412,106

MOBILE PHONE ATM PROCESSING METHODS AND SYSTEMS

PAYPAL, INC., San Jose, ...

1. A method to operate a transaction management system to conduct a transaction, the method comprising:
receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”)
device, the request usable to create pending transaction data in a transaction queue;

dynamically generating an ATM token for display at the ATM device, the ATM token including information uniquely identifying
said transaction;

receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated
with said ATM token, said information associated with said ATM token captured by said mobile device at said ATM device and
usable to identify said pending transaction data in said transaction queue; and

identifying, based at least in part on said information for use in identifying said user, an account associated with said
user and available for use in conducting said transaction at said ATM device.

US Pat. No. 9,330,387

ALTERNATIVE PAYMENT METHOD FOR ONLINE TRANSACTIONS USING INTERACTIVE VOICE RESPONSE

PAYPAL, INC., San Jose, ...

1. A method for implementing electronic transactions, the method comprising:
receiving, by a computer system of a service provider via an electronic communication network, a purchase selection selected
by a buyer at a website of a vendor and an indication that the buyer activates an option on the website to pay for the purchase
selection later;

in response to receiving the purchase selection and the indication to pay later, generating, by the computer system of the
service provider, a token which includes an unique code that identifies the purchase selection selected by the buyer;

transmitting, by the computer system of the service provider via the electronic communication network, the token which identifies
the purchase selection to a communication device of the buyer;

receiving, by the computer system of the service provider via the electronic communication network, a payment request and
the token from the communication device of the buyer;

associating the payment request with the purchase selection based on the token; and
processing, by the computer system of the service provider, a payment to the vendor for the purchase selection.

US Pat. No. 9,292,838

PAYMENT LINK

PAYPAL, INC., San Jose, ...

1. A system of a payment provider comprising:
a non-transitory memory storing an identifier for an account of a user; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, from a user device, an indication that a user is attempting to access a payment link consisting of a protocol prefix
followed by a colon, a locator to a site of the payment provider, an amount of payment, a plurality of slashes, and a phone
number of a recipient of funds;

determining that the received indication is an attempt to access the payment link consisting only of the protocol prefix followed
by the colon, the locator to the site of the payment provider, the amount of payment, the plurality of slashes, and the phone
number of the recipient of funds;

in response to receiving the indication and determining that the received indication is an attempt to access the payment link,
determining the phone number in the payment link, determining an account of the recipient of the funds based on the phone
number in the payment link, and requesting, from the user device, login information; and

transferring an amount of the funds equal to the amount of payment in the payment link from a second account to the account
of the recipient when login information for the second account is received from the user device.

US Pat. No. 9,277,394

NOMINATION OF A PRIMARY CELL PHONE FROM A POOL OF CELL PHONES

PayPal, Inc., San Jose, ...

1. A system comprising:
a first mobile device configured to:
detect that the first mobile device is in physical contact with, or within a predetermined distance of, a second mobile device;
and

in response to said detection, send a switch request to make a mobile phone line inactive for the first mobile device and
active for the second mobile device;

a database configured to store a user account, the user account being assigned the mobile phone line, the first mobile device
and the second mobile device are registered with the user account, the mobile phone line is active for the first mobile device
and inactive for the second mobile device;

a nomination module, executable by at least one processor, configured to:
receive the switch request;
send one or more of a text message and an e-mail message requesting user confirmation of the switch request;
receive the user confirmation of the switch request; and
update the user account to make the mobile phone line inactive for the first mobile device and active for the second mobile
device based on the user confirmation of the switch request; and

a user account management module configured to automatically initiate a synchronization operation based on the switch request,
the synchronization operation including transferring data that was accessible to the first mobile device to the second mobile
device.

US Pat. No. 9,275,384

POINT OF SALE PAYMENT SYSTEM

PAYPAL, INC., San Jose, ...

1. A system for point of sale payments, comprising:
a service location that includes a plurality of payment locations and respective payment code information displayed adjacent
each of the plurality of payment locations; and

a seller device that is associated with the service location and a seller, wherein the seller device is located at the service
location, coupled to a network, and includes:

a memory storing a plurality of payment information that is associated with the seller and the service location;
a display device; and
a processor coupled to the memory and the display device, wherein the processor is configured to cause the seller device to
perform operations comprising:

receiving, from a first payer device wirelessly over the network, payment code information associated with a first payment
location of the plurality of payment locations in the service location;

retrieving first payment information from the plurality of payment information from the memory using the payment code information;
providing, to the first payer device wirelessly over the network, the first payment information in a payment information graphical
user interface that includes a payer service location graphic that provides a layout of the service location including relative
locations of each of the plurality of payment locations, and a payment location graphic that is located in the payer service
location graphic and that indicates a relative location, from the relative locations of each of the plurality of payment locations
in the service location, of the first payment location associated with the payment code information;

receiving, from the first payer device wirelessly over the network in response to at least one input received through the
payment information graphical user interface provided on the first payer device, a payment location graphic adjustment that
moves the payment location graphic to a different location in the payer service location graphic to provide a request to pay
for a second payment location of the plurality of payment locations instead of the first payment location, along with a payment
confirmation and, in response, initiating a payment from a payer account associated with the payer device to a seller account
included in the payment information and sending the payment information and an indication of the payment confirmation to the
seller device over the network; and

providing, for display on the display device, a service location monitoring page that includes a seller service location graphic
illustrating the service location and the plurality of payment locations, wherein the service location monitoring page provides
a current, real-time payment location status of the plurality of payment locations in the service location by providing payer
graphics in payment locations in the service location that have been paid for and indicating the payment locations in the
service location that have not been paid for.

US Pat. No. 9,411,572

SYSTEMS AND METHODS FOR LOCATION-BASED APPLICATION INSTALLATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

in response to receiving, from a user device, information corresponding to the user device detecting a wireless signal from
a wireless beacon installed at a location, determining a unique identification (ID) for the wireless beacon;

accessing a database, wherein the database associates a plurality of unique IDs with respective applications;
determining, using the database, an application associated with the unique ID for the wireless beacon, the application providing
functions and/or information associated with the location; and

causing the application to be automatically installed on the user device.

US Pat. No. 9,329,951

SYSTEM AND METHOD TO UNIFORMLY MANAGE OPERATIONAL LIFE CYCLES AND SERVICE LEVELS

PayPal, Inc., San Jose, ...

1. A system to bootstrap a service in a data center, the system comprising:
at least one processor;
a microkernel implemented by the at least one processor and configured to manage a deployment of a plurality of service managers
based on a respective plurality of deployment profiles of the service managers;

a first service manager of the plurality of service managers configured to manage a deployment of a management service based
on a deployment profile of the management service by passing a first topology from a plurality of topologies to the management
service, the first topology being bundled with the system, a logical and physical topology of the management service being
derivable from the first topology, the management service being one of a resource manager, a provisioning manager, a dispatcher,
a lock manager, and a configuration manager; and

a second service manager of the plurality of service managers configured to manage a deployment of the service based on a
deployment profile of the service by passing a second topology from the plurality of topologies to the service, the second
topology being constructed on demand, a logical and physical topology of the service being derivable from the second topology,
the second service manager to manage operation of the service using a functionality of the management service.

US Pat. No. 9,269,104

AUTOMATIC DETECTION OF MOBILE PAYMENT APPLICATIONS

PAYPAL, INC., San Jose, ...

1. A method for exchanging data over a network comprising a plurality of wired segments, the method comprising:
configuring a web server comprising at least one web server processor to:
detect whether a device is a mobile device that communicates with the web server based on the at least one web server processor
running a first snippet of code received from a service provider system, wherein the web server is configured to detect the
mobile device based on a custom Uniform Resource Locator (URL) of the mobile device;

redirect the device to a web-based checkout flow process to complete a checkout if the device is not the mobile device communicating
with the web server; and,

if the device is the mobile device communicating with the web server, detect whether the mobile device has a checkout application
installed based at least on the web server processor running a second snippet of code received from the service provider system,
wherein the checkout application is associated with the custom URL.

US Pat. No. 9,568,955

MERCHANT/CUSTOMER POS INTERACTION SYSTEM

PayPal, Inc., San Jose, ...

1. A tablet computer system, comprising:
a tablet computer chassis;
an orientation determination device housed in the tablet computer chassis;
a display device located on the tablet computer chassis;
a non-transitory memory housed in the tablet computer chassis that stores first orientation rules and second orientation rules;
and

one or more hardware processors housed in the tablet computer chassis and coupled to the orientation determination device,
the display device, and the non-transitory memory, wherein the one or more hardware processors are configured to execute instructions
to cause the system to perform operations comprising:

receiving an instruction to display product information;
retrieving first orientation data from the orientation determination device;
determining that the first orientation data corresponds to a first orientation associated with the first orientation rules;
retrieving the product information and providing the product information for display on the display device as first orientation
product information according to the first orientation rules such that the first orientation product information is displayed
using text that identifies at least one product associated with the product information;

retrieving second orientation data from the orientation determination device that is different from the first orientation
data;

determining the second orientation data corresponds to a second orientation associated with the second orientation rules;
removing, according to the second orientation rules, at least a portion of the text from the first orientation product information
that identifies the at least one product associated with the product information to provide second orientation product information;
and

providing the second orientation product information for display on the display device according to the second orientation
rules such that the second orientation product information is displayed using at least one image corresponding to each of
the at least one product associated with the product information and without at least the portion of the text that was removed
from the first orientation product information.

US Pat. No. 9,367,371

WIDGET FRAMEWORK, REAL-TIME SERVICE ORCHESTRATION, AND REAL-TIME RESOURCE AGGREGATION

PayPal, Inc., San Jose, ...

15. A method comprising:
receiving a first call and a second call, the first call made to a service by a first one of a plurality of widgets included
in an application running on an application server, and the second call made to the service by a second one of the plurality
of widgets;

selecting an optimization technique of a plurality of optimization techniques based on an amount of time the optimization
technique takes to process calls, the plurality of optimization techniques including orchestrating at run time of the application
the first call and the second call into a third call to the service; and

in response to the selecting of the orchestrating at run time of the application the first call and the second call into the
third call as the optimization technique:

orchestrating at run time of the application, by one or more hardware processors, the first call and the second call into
the third call;

receiving a result of the third call;
identifying a first part of the result as corresponding to the first call;
identifying a second part of the result as corresponding to the second call;
providing the first part of the result to the first one of the plurality of widgets as a response to the first call, based
on a determination that the first one of the plurality of widgets made the first call; and

providing the second part of the result to the second one of the plurality of widgets as a response to the second call, based
on a determination that the second one of the plurality of widgets made the second call.

US Pat. No. 9,160,729

SYSTEMS AND METHODS FOR LOCATION-BASED DEVICE SECURITY

PAYPAL, INC., San Jose, ...

1. A system for managing security settings of a device, the system comprising:
a memory storing information corresponding to a secured location; and
one or more processors in communication with the memory and adapted to:
receive environmental information detected at the device;
determine whether the device is within the secured location based on the environmental information; and
activate a reduced authentication requirement for conducting a payment transaction via the device when the device is within
the secured location.

US Pat. No. 9,178,889

SYSTEMS AND METHODS FOR PAIRING A CREDENTIAL TO A DEVICE IDENTIFIER

PAYPAL, INC., San Jose, ...

1. A system comprising:
a network interface component configured to:
receive a request to authenticate including a credential;
send a first plurality of packets with a first predetermined timing and length associated with the credential; and
receive information including a device identifier associated with a second plurality of packets with a second predetermined
timing and length from;

one or more processors configured to:
generate the first plurality of packets; and
pair the received credential to the received device identifier when the first plurality of packets and the first predetermined
timing and length match the second plurality of packets and the second predetermined timing and length; and

a memory storing the paired device identifier and credential.

US Pat. No. 9,378,494

SUSPENDING AND RESUMING TRANSACTIONS THROUGH WIRELESS BEACON COMMUNICATIONS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing check-in information for a user; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

determining transaction information for a transaction between the user and a merchant using at least one item selected by
the user at a merchant location for the merchant;

receiving a request to suspend the transaction from an employee device at the merchant location;
storing the transaction information with an identifier corresponding to the user when a user device for the user connects
to a first wireless beacon at the merchant location based on the request, wherein the identifier is accessed from the check-in
information for the user with the merchant location;

determining that the user is at a checkout location within the merchant location; and
retrieving the transaction information for a checkout process to purchase the at least one item at the checkout location.

US Pat. No. 9,372,909

DEFINING A SET OF DATA ACROSS MUTIPLE DATABASES USING VARIABLES AND FUNCTIONS

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving key data;
receiving a statement belonging to a generic language relating to a plurality of entities, the statement comprising a plurality
of variables defined by the generic language;

defining, based on the statement and the key data, a grouping of data across a plurality of databases, the grouping of data
corresponding to at least one entity;

providing, based on the statement and the key data and on data-dependent routing, access to the grouping of data, the access
to the grouping of data is provided to a user without prior knowledge, by the user, of the plurality of databases; and

providing, using the generic language, access to the grouping of data corresponding to the at least one entity against a plurality
of reference points in time.

US Pat. No. 9,349,093

GENERATING A PREDICTION FUNCTION USING A GENETIC ALGORITHM AND A REDUCED NUMBER OF FACTORS

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving a first set of factors and a data set associated with the first set of factors a factor from the first set of factors
measuring an aspect of the data set;

calculating, based on the data set, an importance value of each factor in the first set of factors, the calculating of an
importance value of each factor in the first set of factors comprising:

generating a function that approximates results associated with the data set,
determining that variation of a first factor from the first set of factors results in greater variation in the results associated
with the data set as compared to variation of a second factor from the first set of factors, and

assigning a higher importance value to the first factor from as compared to an importance value for the second factor from
the first set of factors;

ranking the first set of factors based on the importance value of each factor in the first set of factors;
selecting, based on the ranking, factors to be included in a reduced set of factors, the reduced set of factors having fewer
factors than the first set of factors;

and
generating, using a genetic algorithm, a prediction function based on the data set and the reduced set of factors, the reduced
set of factors derived from the first set of factors.

US Pat. No. 9,324,075

GEOTAGGED IMAGE FOR CHECKING VALIDITY OF PURCHASE TRANSACTION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a memory storing account information for a user; and
one or more processors in communication with the memory, the one or more processors being configured to:
receive, from a user device, transaction information for a purchase transaction involving the user at a point of sale (POS),
the transaction information comprising:

an image of a payment instrument captured at the POS,
a location of where the image was captured;
a location of the user device when the user device transmitted the transaction information; and
a time of the capture of the image;
determine a validity of the payment instrument via information on the payment instrument included in the image;
determine a time of receipt of the transaction information;
assess a validity of the purchase transaction by:
matching the location where the image was captured and the location of the user device when the user device transmitted the
transaction information;

determining a time difference between the time of the capture of the image and the time of receipt of the transaction information;
and

comparing the time difference to a preset time difference value for allowable transactions.

US Pat. No. 9,390,165

SUMMARIZATION OF SHORT COMMENTS

PayPal, Inc., San Jose, ...

1. A system comprising:
a memory to store a plurality of comments, the plurality of comments respectively comprising an overall rating of an entity
and at least one phrase, the at least one phrase comprising a head term and a modifier associated with the head term; and

one or more processors to implement:
an aspect module to map respective head terms of a portion of the plurality of comments to an aspect cluster corresponding
to an attribute of the entity, and

a rating module to determine an aspect rating corresponding to the attribute of the entity based on the respective overall
rating of the portion of the plurality of comments, and

a module to cause presentation, on a client machine, of a graphical representation of the determined aspect rating corresponding
to the attribute of the entity.

US Pat. No. 9,373,108

POINT OF SALE PAYMENT SYSTEM

PayPal, Inc., San Jose, ...

1. A method for point of sale payments, comprising:
receiving, at a service provider device from a payer device over a network, payment code information associated with a first
payment location of a plurality of payment locations in a service location, wherein the receiving the payment code information
initiates a payment location transaction;

retrieving, by the service provider device from a database, payment information that is also associated with the payment code
information;

sending, by the service provider device over the network for display on the payer device, the payment information in a payment
information graphical user interface that illustrates the service location and the plurality of payment locations in their
relative locations with respect to the service location using a service location graphic, wherein the payment information
graphical user interface provides a payer graphic that is positioned in the first payment location illustrated by the service
location graphic and that is moveable to different payment locations illustrated by the service location graphic, and wherein
the payment information graphical user interface further includes a payment input for receiving a payment time for which the
first payment location will be used;

receiving, at the service provider device from the payer device over the network, a payer location correction input by a payer
on the payment information graphical user interface using an input system on the payer device that moves the payer graphic
to a second payment location illustrated by the service location graphic that is different than the first payment location
illustrated by the service location graphic, wherein the payer location correction is received prior to completing the payment
location transaction; and

receiving, at the service provider device from the payer device over the network via the payment input on the payment information
graphical user interface, the payment time for which the second payment location in the service location will be used along
with a payment confirmation for the second payment location in the service location and, in response, initiating a payment
from a payer account of the payer that is associated with the payer device to a seller account included in the payment information,
and sending the payment information and an indication of the payment confirmation to the seller device over the network to
complete the payment location transaction.

US Pat. No. 9,218,624

ADDING CARD TO MOBILE/CLOUD WALLET USING NFC

PAYPAL, INC., San Jose, ...

1. A system comprising:
a memory storing information about user accounts, where the information comprises funding card information; and
one or more hardware processors in communication with the memory, wherein the one or more hardware processors performs:
receiving a request from a user device to add a funding card;
receiving, from the user device, near field communications data between the user device and the funding card;
in response to receiving the near field communications data:
causing the user device to display a number associated with the funding card, an expiration date, and a type of card; and
causing the user device to display fields enabling a user of the user device to manually correct at least one of the number,
the expiration date, and the type of card;

receiving, from the user device, a manual correction to at least one of the number, the expiration date, and the type of card;
requesting, from the user device, a name and address through text;
receiving, from the user device, the name and address;
identifying a database-stored name and a database-stored address associated with the card using at least the manual correction;
determining whether the name and address matches the database-stored name and the database-stored address associated with
the funding card; and

adding the funding card to the user account on the system when the name and address match the database-stored name and database-stored
address.

US Pat. No. 9,330,364

SYSTEM AND METHODS FOR THIRD-PARTY ACCESS TO A NETWORK-BASED SYSTEM FOR PROVIDING LOCATION-BASED UPCOMING EVENT INFORMATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing ticket information for a plurality of seller platforms; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving a query for upcoming events from a user, wherein the query includes a location of the user derived from at least
one application executed by a user device of the user and a time-based information;

determining, based on the query, at least one event at an event venue;
aggregating a number of tickets available from a plurality of different seller platforms for the at least one event at the
event venue, wherein the tickets are offered by sellers for resale in a secondary market;

displaying the number of tickets available, price information, and names of the plurality of different seller platforms for
the at least one event at the event venue;

displaying a map with a selectable marker indicating a geographical location of the event venue within the map; and
displaying a pop-up window over the map when the selectable marker on the map is selected by the user, wherein the pop-up
window comprises the number of tickets available and price information offered by the plurality of different seller platforms
for the at least one event at the event venue selected by the user.

US Pat. No. 9,330,384

IN-STORE CARD ACTIVATION

PayPal, Inc., San Jose, ...

1. A system comprising:
a non-transitory memory storing user account information; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving authentication information corresponding to a user;
determining, from a picture capture corresponding to a physical payment card, a card identifier, wherein the physical payment
card is not associated with a user account of the user;

causing a determination that the card identifier is valid, based at least in part on a database search using the captured
card identifier; and

in response to the determination that the card identifier is valid, creating an association between the physical payment card
and the user account of the user.

US Pat. No. 10,032,164

SYSTEMS AND METHODS FOR AUTHENTICATING PAYMENTS OVER A NETWORK

PAYPAL, INC., San Jose, ...

1. A method for facilitating financial transactions over a network, the method comprising:receiving, by a service provider from a user device of a user over a network, navigation data for navigation events on a merchant website of a merchant by the user device using a browser application;
receiving, by the service provider from the user device, a purchase request for an item from the merchant website via a resident application executing on the user device and separate from the browser application executing on the user device, wherein the purchase request is entered to the resident application through a drag-and-drop process of a shopping icon on the merchant website to the resident application, and wherein the purchase request requires authentication of the user for payment of the purchase request using a user account of the user;
determining, by the service provider, an item identifier of the item on the merchant website using the navigation data;
determining, by the service provider, transaction information for a transaction comprising the item using the item identifier and the merchant website;
generating, by the service provider, a transaction processing interface for the resident application using the transaction, wherein the transaction processing interface comprises the transaction information with item data for the item extracted from the merchant website using the item identifier;
causing, by the service provider, the resident application executing on the user device to display a service icon for the resident application in a system tray of the user device by the service provider and over the network, wherein a selection of the service icon by the user presents the transaction processing interface for review of the transaction information and entry of user credentials for an authentication request of the purchase request in the transaction processing interface;
receiving, by the service provider, the user credentials inputted by the user via the service icon;
receiving, by the service provider, user confirmation of the authentication request through a pop-up notification window from the system tray over the network;
authorizing, by the service provider, the authentication request; and
notifying, by the service provider from the user device, the user of the authorized authentication request over the network using the resident application on the user device.

US Pat. No. 9,390,305

CODELESS QR CODE

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving, by a service provider system that comprises one or more hardware processors coupled to a non-transitory memory,
an image captured by a user device using a camera of the user device, wherein the image includes a picture mark displayed
on an item without coded data contained within the picture mark;

determining, from the image, information comprising at least one attribute associated with the item;
determining a merchant selling the item using at least one of the image captured by the user device and a location of the
user device;

communicating the at least one attribute to the user device;
in response to the communicating the at least one attribute to the user device, receiving a payment request for the item to
the merchant selling the item; and

processing the payment request to provide a payment to the merchant.

US Pat. No. 10,091,836

FACILITATING WIRELESS CONNECTIONS USING A BLE BEACON

PAYPAL, INC., San Jose, ...

1. A method for communicating audio or video data, the method comprising:communicating, over a first wireless network, with a beacon device using Bluetooth® low energy (BLE) communications protocol to check in to a location, wherein said communicating includes:
receiving a broadcast identifier from the beacon device;
receiving a digital signature;
verifying the broadcast identifier and the digital signature; and
in response to verifying the broadcast identifier and the digital signature, indicating the check in to the beacon device;
receiving credentials from the beacon device over the first wireless network using the BLE communications protocol, the credentials for authenticating to a second wireless network that is different from the first wireless network; and
authenticating to the second wireless network using the credentials, the authenticating for establishing a peer-to-peer Wi-Fi connection on the second wireless network.

US Pat. No. 9,508,072

SECURE PAYMENT INSTRUCTION SYSTEM

PayPal, Inc., San Jose, ...

1. A method for providing secure payment instructions, comprising:
identifying, by a payer device to a payee device over a network, a payment provider for a payment transaction, wherein the
identifying of the payment provider initiates communication between the payee device and a payment provider device that result
in the payment provider device generating a security font, associating payer information in a database with at least one payer
information security font character that is only readable as the payer information by converting the at least one payer information
security font character to a rendering of the payer information using the security font, and providing the at least one payer
information security font character to the payee device;

verifying, by the payer device with the payment provider device over the network, the payer device for use in the payment
transaction;

accessing, by the payer device via the payee device over the network, a payment page for the payment transaction that includes
the at least one payer information security font character;

sending, by the payer device to the payment provider device over the network, a request for the security font;
receiving, by the payer device from payment provider device over the network based on the verification of the payer device
for use in the payment transaction, the security font; and

converting, by the payer device using the security font, the at least one payer information security font character included
on the payment page to the rendering of the payer information such that the payer information included on the payment page
is readable on the payer device.

US Pat. No. 9,621,213

SMART CARD BATTERY CHARGING DURING CARD USE

PAYPAL, INC., San Jose, ...

1. A smart card device, comprising:
a plurality of interface contacts;
a battery device configured to power an electronic component of the smart card device;
a battery charging device configured to charge the battery device;
a non-transitory memory storing instructions; and
one or more hardware processors coupled to the plurality of interface contacts, the battery charging device, and the non-transitory
memory;

wherein the smart card device includes stored logic executable to cause the smart card device to perform operations comprising:
detecting a status of a dedicated input signal received from an interface device, via a contact from among the plurality of
interface contacts, after at least one contact from among the plurality of interface contacts come in contact with the interface
device; and

directing the battery charging device to divert, from the interface device based the detected status of the dedicated input
signal, an input voltage from the interface device to the battery device,

wherein the battery device charges from the diverted input voltage;
wherein the operations further comprise:
determining a charge amount remaining in the battery device; and
initiating the diversion of the input voltage to the battery device in response to the determined charge amount remaining
in the battery being at or below a predetermined threshold.

US Pat. No. 9,172,693

QUICK PAYMENT USING MOBILE DEVICE BINDING

PayPal, Inc., San Jose, ...

1. A system comprising:
a computer processor of a service provider, for communicating over a network with a user device, wherein the computer processor
executes a process for:

binding the user device to a user account at an app level with a device-unique identifier unique to the user device by:
associating, by the computer processor of the service provider, the user device and the user account with a first application
running on the user device; and

maintaining, by the computer processor of the service provider, a transaction history for identifying the first application
and the associated user device and user account that a payment was made from; and

maintaining a secure connection with the user device, based on the app level binding, including the transaction history, of
the user device to the user account and the first application, when a user switches between the first application on the user
device and a second application running on the user device and binding, at the app level, including maintaining a second transaction
history for identifying the second application, the user device to the user account and the second application so that no
login to the second application is required for the second application also to be associated with the user device and the
user account, wherein: in response to receiving a user input not to opt in communicated from the user device over the network,
the processor communicates an option to create a personal identification number (PIN) to the user device over the network.

US Pat. No. 9,152,971

DYNAMIC MOBILE SELLER ROUTING

PAYPAL, INC., San Jose, ...

1. A computer system for dynamically routing a mobile sales operation, comprising:
a computing device associated with the mobile sales operation;
a global positioning system (GPS) device to navigate the mobile sales operation;
a memory; and
one or more processors in communication with the memory to:
receive, from the computing device associated with the mobile sales operation, a request to provide location recommendations
for each of a plurality of available routes to the mobile sales operation, the request comprising GPS coordinates of the mobile
sales operation provided by the GPS device;

analyze analytic data comprising sales of one or more mobile competitors of the mobile sales operation in view of a location
based on the GPS coordinates of the mobile sales operation to determine the location recommendations for the available routes;

determine the location recommendations for the available routes, at least in part, based on the sales of the one or more mobile
competitors in view of the location based on the GPS coordinates of the mobile sales operation;

send a first communication comprising the location recommendations for the available routes to the computing device of the
mobile sales operation; and

send, by the one or more processors, a second communication comprising GPS coordinates of at least one updated location recommendation
for one of the available routes to the computing device of the mobile sales operation in response to detecting movement of
at least one of the mobile competitors.

US Pat. No. 9,123,039

SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a memory storing user account information, wherein the information comprises a passphrase corresponding to a user account;
and

one or more processors in communication with the memory adapted to:
receive over a financial network a passphrase account identifier, wherein the passphrase account identifier is provided by
a consumer to make a purchase from a merchant;

match the passphrase account identifier to a corresponding funding instrument number of the consumer stored in a database
accessible by a payment provider system;

communicate the corresponding funding instrument number corresponding to a funding instrument of the consumer to a third party
system, wherein the merchant then receives an acceptance of the funding instrument or a decline of the funding instrument
from the third party system, wherein the acceptance or the decline is displayed in a graphical user interface (GUI), and

wherein the passphrase account identifier is an alpha-numerical combination unique to an account number of the funding instrument.

US Pat. No. 9,697,283

CATEGORY CONSTRAINED QUERIES

PAYPAL, INC., San Jose, ...

1. A system comprising:
a communication module, implemented using on or more processors, that is configured to receive, over a network from a client
machine, a query;

a category identification module, implemented using on or more processors, that is configured to:
identify a first plurality of categories responsive to the query based on prior user interactions after similar queries;
identify an entropy value based on a distribution of the prior user interactions over the first plurality of categories; and
modify the first plurality of categories based on the entropy value to identify a second plurality of categories;
a constraint module, implemented using one or more processors, that is configured to modify the query to include the second
plurality of categories as constraints; and

a query module, implemented using one or more processors, that is configured to execute the query to identify search results,
the query including the second plurality of categories as constraints, the communication module configured to communicate
the search results, over the network, to the client machine.

US Pat. No. 9,430,759

FEES AND FOREIGN CURRENCY EXCHANGE CALCULATION

PAYPAL, INC., San Jose, ...

1. A method of calculating a fee for an online transaction comprising:
extracting fee calculation data from a database into a data cache comprising at least one writer view and at least one reader
view identified by control data, wherein the at least one writer view stores the extracted fee calculation data;

swapping the at least one writer view with the at least one reader view by updating the control data, wherein the extracting
and the swapping are periodically performed to refresh the data cache;

receiving a fee calculation request linked to an online transaction associated with a fee type, a country code, and a client
identifier;

determining a current reader view based on the control data;
accessing, by a hardware processor using the client identifier, the current reader view to determine whether a default fee
or an overriding fee applies to the online transaction;

retrieving, from the current reader view based on the fee type and the country code, the default fee to use as a base fee
in response to determining that the default fee applies;

calculating, by the hardware processor, a transaction fee for the online transaction based at least in part on the base fee;
determining whether the current reader view has changed due to the periodic performing of the extracting and the swapping;
transmitting, in response to determining that the current reader view has not changed, a fee calculation response indicative
of the calculated transaction fee; and

repeating the accessing, the retrieving, and the calculating in response to determining that the current reader view has changed.

US Pat. No. 9,426,422

MULTI-DISPLAY VIDEO CONFERENCING

PayPal, Inc., San Jose, ...

1. A system comprising:
an audio-video interface module configured to receive first and second audio input data and first and second video input data
of a video conference session, the first audio input data and the first video input data being linked to a first display device
of a first user device, the second audio input data and the second video input data being linked to a second display device
of the first user device;

a speaker detector module, including one or more processors, configured to process, based on a determination that the first
and second audio input data are linked to the first user device, the first and second audio input data to identify an active
audio signal, the speaker detector module being further configured to process the first and second audio input data by being
configured to:

compare the first audio input data and the second audio input data;
based on the comparison, determine whether the first audio input data leads or lags the second audio input data; and either
in response to a determination that the first audio input data leads the second audio input data, identify the first audio
input data as the active audio signal; or

in response to a determination that the first audio input data lags the second audio input data, identify the second audio
input data as the active audio signal; and

a video conference module configured to either:
based on an identification of the first audio input data as the active audio signal, provide to a second user device a first
message to display the first video input data in an active speaker display frame; or

based on an identification of the second audio input data as the active audio signal, provide to the second user device a
second message to display the second video input data in the active speaker display frame.

US Pat. No. 9,401,077

MOBILE PHONE ATM PROCESSING METHODS AND SYSTEMS

PAYPAL, INC., San Jose, ...

1. A method to operate a transaction management system to conduct a transaction, the method comprising:
receiving a request to initiate a transaction from one of (i) a mobile device, and (ii) an automated teller machine (“ATM”)
device;

receiving, from said mobile device, information for use in identifying a user of said mobile device and information associated
with an ATM token, said information associated with said ATM token captured by said mobile device and identifies a type of
a transaction to be conducted at said ATM device;

receiving, from said mobile device, a proxy associated with a transaction account for use in conducting the transaction at
said ATM device;

identifying, based at least in part on said proxy, actual payment account credentials; and
authorizing said transaction using said actual payment account credentials, wherein said mobile device does not store or receive
said actual payment account credentials.

US Pat. No. 9,357,268

SYSTEMS AND METHODS FOR MAKING CONTENT

PayPal, Inc., San Jose, ...

1. A system comprising:
a device including a memory and at least one processor;
an interface module, executable by the device, configured to receive an omission marking command at a particular time indicating
a particular moment of a live event viewed by a user;

an identification module implemented by one or more processors and configured to identify the live event viewed by the user
and video content data corresponding to the event;

a content marking module configured to generate omission marking data indicating a particular portion of the identified video
content data corresponding to the particular moment of the live event; and

a playback module configured to omit, in response to user command to playback the video content data, the particular portion
from presentation during the playback of the video content data.

US Pat. No. 9,501,642

RENDER ENGINE, AND METHOD OF USING THE SAME, TO VERIFY DATA FOR ACCESS AND/OR PUBLICATION VIA A COMPUTER SYSTEM

PAYPAL, INC., San Jose, ...

1. A method comprising:
performing a first validation, based on a configuration of an active content security system associated with a hosting server,
that active content does not create a security risk upon publication by the hosting server;

publishing, by the hosting server as an online publication, the active content in response to validation that publication
does not create a security risk;

performing a second validation, subsequent to publishing the active content by the hosting server, of the active content to
ensure that the active content continues not to create a security risk; and

removing, using the hosting server, the active content based on, subsequent to initial publishing, the active content being
found to create a security risk.

US Pat. No. 9,460,278

AUTOMATIC PIN CREATION USING PASSWORD

PAYPAL, INC., San Jose, ...

1. A service provider system comprising:
a non-transitory memory storing information about a user account and identification information of a user associated with
the user account; and

one or more hardware processors configured to execute instructions to cause the service provider system to perform operations
comprising:

automatically generating a first access credential from a second access credential for the user account, wherein the first
access credential is generated based on a rule comprising mapping individual characters of the second access credential to
numbers or characters, and wherein the first access credential is unknown to the user and the second access credential is
known to the user;

providing instructions to a user device of the user, wherein the instructions comprise the rule to convert, by the user on
a device, the second access credential to the first access credential;

receiving a user-entered access credential and identification information from the device;
comparing the user-entered access credential with the first access credential associated with the user account, wherein the
user-entered access credential is known to the user through the instructions provided to the user for converting the second
access credential to the user-entered access credential and wherein the first access credential is different than the second
access credential; and

granting access to the user account for the user when the user-entered access credential matches the first access credential.

US Pat. No. 9,448,698

FREE-FORM ENTRIES DURING PAYMENT PROCESSES

PayPal, Inc., San Jose, ...

1. A computer system comprising:
a non-transitory memory storing a free-form action from a user corresponding to a unique action associated with a button or
link, wherein the free-form action is a specific physical movement to a device or a mark detected by the device made by the
user; and

one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
receiving a first free-form action corresponding to an action of a button or link from the user through the device; and
determining the first free-form action matches the free-form action stored in the non-transitory memory based at least in
part on a type of the device.

US Pat. No. 9,396,317

SYSTEMS AND METHODS FOR AUTHENTICATING A USER AND DEVICE

PAYPAL, INC., San Jose, ...

1. An authentication system, comprising:
a network interface component coupling the authentication system to a network;
a non-transitory memory; and
one or more hardware processors coupled to the network interface component and the non-transitory memory, the one or more
hardware processors being configured to read instructions from the non-transitory memory to cause the authentication system
to perform operations comprising:

receiving, via the network interface component, first authentication information from a user device of a user, the first authentication
information comprising a username and user credentials of the user;

calculating a first score based on the first authentication information;
determining whether the first score is less than a threshold; and in response to the determining:
transmitting, via the network interface component, a first request for additional authentication information to the user device;
receiving, via the network interface component, second authentication information comprising information other than the username
and the user credentials of the user from the user device;

transmitting, via the network interface component, a second request for additional authentication information to a carrier
on which the user device is operating;

receiving, via the network interface component, third authentication information from the carrier;
storing the second or third authentication information in a subscriber data-base:
comparing the second or third authentication information to authentication information stored in the subscriber database;
calculating a second score based on the first authentication information, the second authentication information, the third
authentication information, and results of the comparing; and

authenticating the user and the user device when the second score is greater than or equal to the threshold.

US Pat. No. 9,215,570

BEACON CONTENT PROPAGATION

PayPal, Inc., San Jose, ...

1. A system, comprising:
a first fixed-location beacon configured to transmit a beacon message to a first user mobile device at a first location within
a first transmission range of the first fixed-location beacon at the first location; and

a second fixed-location beacon configured to receive the beacon message from the first user mobile device at a second location
outside of the first transmission range of the first fixed-location beacon and transmit the beacon message to a second user
mobile device at the second location within a second transmission range of the second fixed-location beacon at the second
location.

US Pat. No. 9,213,817

MOTION-BASED CREDENTIALS USING MAGNIFIED MOTION

Paypal, Inc., San Jose, ...

1. A system for authentication using a motion-based credential, comprising:
an image capture device configured to capture video of a motion made by a user, the video capturing an order in which fingers
of the user are flexed, wherein the fingers are flexed using small movements analyzable only using magnification;

a memory storing the captured video and motion characteristics associated with the user;
one or more processors configured to:
process the captured video to magnify the motion made by the user;
analyze the magnified motion to determine the motion characteristics including the order in which the fingers are flexed;
and

encrypt authentication information when the determined motion characteristics match the stored motion characteristics, the
encrypted authentication information corresponding to the motion-based credential; and

a network interface component configured to send the encrypted authentication information for authenticating the user;
wherein the one or more processor are configured to analyze the magnified motion by determining motion vectors of the magnified
motion.

US Pat. No. 9,178,873

SYSTEMS AND METHODS FOR SECURE PASSWORD ENTRY

PAYPAL. INC., San Jose, ...

1. A system, comprising:
a memory having stored user account information that includes a password for a user, wherein the password includes a number
of total characters and a number of different characters; and

one or more processors in communication with the memory and configured to:
receive user-identifying information from the user,
retrieve the password from the user account information using the user-identifying information,
provide an apparently random sequence of characters to the user,
receive selected characters in the apparently random sequence of characters from the user, wherein the selected characters
comprise fewer characters than the number of total characters in the password or fewer different characters than the number
of different characters in the password, and

compare the selected characters with the password to determine whether to authenticate the user.

US Pat. No. 9,490,987

ACCURATELY CLASSIFYING A COMPUTER PROGRAM INTERACTING WITH A COMPUTER SYSTEM USING QUESTIONING AND FINGERPRINTING

PAYPAL, INC., San Jose, ...

1. A computer system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the computer system to perform operations comprising:

issuing a challenge to an application interacting with the computer system to determine whether activity performed by the
application is scripted, wherein the challenge is a web browser challenge issued for processing by the application without
human user involvement based on, at least in part, user agent data associated with the application identifying the application
as a web browser;

receiving a response from the application comprising an answer to the issued web browser challenge, the answer being determined
by the application without human user involvement in response to the issued challenge;

analyzing the answer to the issued web browser challenge received from the application in view of an expected answer to determine
whether the application is imitating the web browser; and

classifying the application as scripted based on a reputation score computed for the application and based on determining
from the answer that the application is imitating the web browser.

US Pat. No. 9,449,114

REMOVING NON-SUBSTANTIVE CONTENT FROM A WEB PAGE BY REMOVING ITS TEXT-SPARSE NODES AND REMOVING HIGH-FREQUENCY SENTENCES OF ITS TEXT-DENSE NODES USING SENTENCE HASH VALUE FREQUENCY ACROSS A WEB PAGE COLLECTION

PayPal, Inc., San Jose, ...

1. A method comprising:
accessing a web page, the web page represented by a hierarchical mark-up language;
parsing the web page into a tree structure based on a hierarchy associated with the web page;
for each node from the tree structure, determining a text density score value, the text density score value calculated as
a sum of a word count associated with a node and weighted word counts associated with adjacent nodes from the tree structure,
an adjacent node from the adjacent nodes comprising a sibling of the node;

identifying those nodes from the tree structure for which a text density value is above the threshold value as content nodes;
extracting text from the content nodes associated with the web page and ignoring nodes that were not identified as content
nodes;

breaking up the extracted text and further text into a plurality of sentences;
hashing each sentence from the plurality of sentences;
calculating frequency of each sentence in the extracted text and the further text; and
identifying sentences from one or more sentences having a frequency value above a frequency threshold value as indicative
of boilerplate language.

US Pat. No. 9,448,944

METHOD AND SYSTEM FOR DYNAMIC TEMPLATIZED QUERY LANGUAGE IN SOFTWARE

PayPal, Inc., San Jose, ...

1. A method to automatically generate query language in an object to relational mapping system, the method comprising:
responsive to a request for data, selecting, by a computer processor, a query template that is predefined, from a plurality
of query templates, the query template including a procedural language/structured query language (PL/SQL) query template and
a logical table name;

receiving first content from a first source the first content comprising a first attribute;
receiving second content from a second source, the second content including a physical table name that is identified by the
second source based on the logical table name;

generating a query statement based on the PL/SQL query template and the logical table name, the query statement including
at least part of the first content, part of the second content, and a return variable place holder for receiving a return
variable that is returned from a PL/SQL routine in PL/SQL; and

executing the query statement to insert a record in the database, the executing the query statement including utilizing the
return variable place holder in the query statement to receive a record identifier from the PL/SQL routine in the PL/SQL and
assigning the record identifier to an attribute in a prototype data object in the object to relational mapping system, the
record identifier being accessible to the object to relational mapping system via the attribute in the prototype data object
and identifying the record that was inserted into the database.

US Pat. No. 9,424,504

COMBINING A QR CODE AND AN IMAGE

PAYPAL, INC., San Jose, ...

1. A system comprising:
a processor; and
a data storage device including a computer-readable medium having computer readable code for instructing the processor that,
when executed by the processor, causes the processor to perform operations comprising:

generating a QR code comprising plurality of modules, each module containing at least one of a plurality of pixels;
dividing the plurality of modules of the QR code among a plurality of regions;
for modules of a first region, setting a first transparency value for pixels contained in those modules;
for modules of a second region, dividing each module into an inner portion and an outer shell portion, setting a second transparency
value for pixels contained in the inner portion, and setting a third transparency value for pixels contained in the outer
shell portion, wherein dividing each module of the second region into an inner portion and an outer shell portion comprises:

determining an inner portion size (in pixels) of each module based on a module size (in pixels) of the module as: inner portion
size=ceiling((inner portion proportion)×(module size)), wherein the inner portion proportion comprises a default value stored
in the data storage device and/or is inputted from a device in communication with the processor; and

combining the QR code and an image pixel-by-pixel using alpha-compositing according to the transparency value set for each
pixel.

US Pat. No. 9,411,899

CONTEXTUAL BREADCRUMBS DURING NAVIGATION

PayPal, Inc., San Jose, ...

1. A system comprising:
at least one processor;
at least one navigation application, executable by the at least one processor, configured to cause a current page to be displayed
on a device, the current page comprising a plurality of user-selectable functional options that include a functional option
configured to lead to a first different page and a functional option configured to lead to a second different page, the first
and second different pages being different from each other and from the current page, the first different page comprising
a plurality of functional options respectively configured to be acted upon by a user; and

at least one contextual breadcrumb application, executable by the at least one processor, configured to cause contextual breadcrumbs
to be displayed on the current page, the contextual breadcrumbs comprising:

a simplified representation of the first different page, the simplified representation of the first different page comprising
context information that comprises a visual representation of the plurality of functional options of the first different page,
and the simplified representation of the first different page excluding at least some content of the first different page,
at least one of the contextual breadcrumbs being configured to enable the user to act upon the plurality of functional options
of the first different page from the current page;

a simplified representation of the second different page, the second different page having not yet been displayed on the device
in response to user selection of a corresponding one of the plurality of functional options of the current page, the simplified
representation of the second different page excluding at least some content of the second different page and including one
or more actionable interface elements selectable by the user from the current page to act upon respectively corresponding
functional options of the second different page; and

a flow from the simplified representation of the current page to the simplified representation of the second different page.

US Pat. No. 9,317,841

METHOD AND SYSTEM FOR FACILITATING ONLINE PAYMENTS BASED ON AN ESTABLISHED PAYMENT AGREEMENT

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving, at a payment service provider server via a programmatic interface from a merchant server specially configured to
communicate using API calls with the specially configured payment service provider server, an API call that includes a relationship
request to establish, at the payment service provider server, a payment agreement between a merchant and a user prior to any
transactions between the merchant and the user, the API call triggered in response to a selection by the user of a link to
establish the payment agreement on an interface presented to a device of the user;

verifying, by the payment service provider server, that the relationship request includes properly formatted data items that
are used in establishing the payment agreement between the merchant and the user;

based on the verifying and using at least one processor of the payment service provider server, establishing the payment agreement
between the merchant and the user at a payment service provider that defines terms of a payment relationship between the merchant
and the user prior to any transactions between the merchant and the user, the payment agreement being established in response
to receiving, from the user, the relationship request to establish the payment agreement with the merchant, the establishing
of the payment agreement including linking the payment agreement with a payment account of the merchant or user maintained
at the payment service provider, the payment service provider being a separate entity from the merchant;

after establishing the payment agreement, receiving, at the payment service provider server, a payment request associated
with a transaction from the merchant, the payment request including a unique identifier to identify the payment agreement
established between the merchant and the user and stored in data storage at the payment service provider server prior to any
transactions between the merchant and the user;

verifying, by the payment service provider server, that the payment request complies with the terms of the payment relationship
between the merchant and the user established prior to any transactions between the merchant and the user, the verifying including
accessing the terms of the payment relationship stored in the data storage at the payment service provider server; and

based on the verifying that the payment request complies with the terms of the payment relationship between the merchant and
the user established prior to any transactions between the merchant and the user, automatically and without user intervention,
processing the payment request by the payment service provider server,

the receiving of the payment request, verifying that the payment request complies with the terms, and automatically processing
being triggered in response to a single action performed at the device of the user.

US Pat. No. 9,203,835

SYSTEMS AND METHODS FOR AUTHENTICATING A USER BASED ON A BIOMETRIC MODEL ASSOCIATED WITH THE USER

Paypal, Inc., San Jose, ...

1. A system for authenticating a user, comprising:
one or more processors configured to:
determine a biometric model of the user including at least a distance from a joint of a finger of the user, a length of a
finger of the user, or a range of motion of a finger of the user;

generate at least one challenge;
determine an expected response based on the determined biometric model and the generated challenge; and
determine if a received response matches the expected response within a predetermined degree of accuracy;
a biometric sensor configured to receive the response;
a memory, the memory storing the determined biometric model; and
a network interface component coupled to a network, the network interface component configured to transmit a successful authentication
when the received response matches the expected response within a predetermined degree of accuracy.

US Pat. No. 9,177,054

SELECTIVE PRESENTATION OF DATA ITEMS

PayPal, Inc., San Jose, ...

1. A method comprising:
identifying a plurality of data items responsive to a first query at a search component of a processing device;
determining, at a value component of the processing device, a set of data items from the plurality of data items, each data
item of the set having a presentation value associated therewith, the presentation value of a respective data item being a
monetary value offered by a first user in exchange for a visually distinguished presentation of the data item over other data
items of the plurality of data items to be presented on a user interface by a publication system;

determining the presentation value for each data item of the set of data items;
ranking, at a ranking component of the processing device, the set of data items for presentation to a second user based on
the respective presentation values that are monetary values offered by users for the visually distinguished presentation of
their respective data items;

based on the ranking, identifying at least one data item to be featured in a featured items portion of the user interface;
and

causing presentation of the plurality of data items that displays, based on the ranking, the at least one data item to be
featured visually distinguished from other data items of the plurality of data items by positioning the at least one data
item to be featured in a predetermined promotional slot of the featured items portion of the user interface, a portion of
the at least one data item to be featured being expanded to occupy an entire area of the feature items portion of the user
interface in response to a lesser number of identified data items to be featured than promotional slots in the featured items
portion of the user interface.

US Pat. No. 9,170,917

FLOW TRACING THOUGH DIVERSE LOGICAL AND PHYSICAL APPLICATION AND INFRASTRUCTURE LAYERS/DEPENDENCIES

PayPal, Inc., San Jose, ...

1. A method of tracking a plurality of software calls in an enterprise environment, the method comprising:
tracking, during a runtime operation of the enterprise environment, layers through which each of the plurality of software
calls passes, the tracking including

logging each of a plurality of physical components involved in each of the plurality of software calls;
annotating each of the plurality of physical components with metadata associated with and directly indicative of each of the
plurality of physical components;

logging each of a plurality of logical components involved in each of the plurality of software calls;
annotating each of the plurality of logical components with metadata associated with and directly indicative of each of the
plurality of logical components;

logging a reliance of each of the plurality of the physical components and the logical components on others of the plurality
of the physical components and the logical components; and

making a determination of any errors encountered in the plurality of physical components and the plurality of logical components
during the tracking; and

generating, using one or more processors, a dependency map indicating the layers tracked in each of the plurality of software
calls.

US Pat. No. 9,158,768

SYSTEM AND METHODS TO CONFIGURE A QUERY LANGUAGE USING AN OPERATOR DICTIONARY

PayPal, Inc., San Jose, ...

1. A system comprising:
one or more processors;
a dictionary generator module, implemented using the one or more processors, configured to generate dictionary information
that corresponds to a first user, the dictionary information includes a first list of compatible query operators and a description
of compatible data types that correspond to each operator in the first list of compatible query operators;

a query receiver module, implemented using the one or more processors, configured to receive, from the first user, a search
query to search for document information in a database, the database includes an inverted index;

a query verification module, implemented using the one or more processors, configured to determine that terms of the search
query from the first user are in accordance with the dictionary information that corresponds to the first user;

a query processing module, implemented using the one or more processors, configured to apply the search query to the inverted
index in the database to identify the document information; and

an presentation module, implemented using the one or more processors, configured to send the document information to the first
user.

US Pat. No. 9,147,210

SYSTEM AND A MACHINE-READABLE MEDIUM FOR PROCESSING AN ON-LINE PAYMENT WITHOUT AUTHENTICATING THE USER

PAYPAL, INC., San Jose, ...

1. A system for on-line payment, comprising:
a non-transitory memory for storing user account information, wherein the information comprises device information for a plurality
of devices for a user and a unique account associated with each of the plurality of user devices;

one or more processors in communication with the memory and configured for:
receiving a request for a payment from a user through a device via a web browser, wherein the request is received in response
to a swiping motion performed by the user on a display of the device, wherein the swiping motion is a user-defined motion;

receiving information about the device, wherein the information comprises of cookies associated with the web browser;
determining an account exists associated with the device or the web browser based on the information about the device;
causing account information uniquely associated with the device or web browser to be displayed on the device, wherein the
account information comprises a balance remaining in the account; and

processing the payment from the balance for viewing or downloading on-line page content on the device without authenticating
the user.

US Pat. No. 9,135,469

INFORMATION PROTECTION SYSTEM

PAYPAL, INC., San Jose, ...

1. A system comprising:
a hardware processor;
a parser to,
parse user interface information to be included within a user interface to be displayed to a user by an information display
application; and

identify at least one field, within the user interface, to receive user information from a user;
a memory storage device to store data, the data including:
the user information,
the user interface information,
a predefined authorized set of fields to receive the user information,
predefined information corresponding to the predefined authorized set of fields,
a list of addresses of fraudulent sources of the user interface information, and
a list of addresses of verified sources of the user interface information;
a detection module to determine, based on the list of addresses of fraudulent sources and based on the list of addresses of
verified sources, whether the user interface information is associated with fraudulent activity or originates from a verified
source;

a form fill module to,
in response to determining that the user interface information is associated with fraudulent activity, provide, using the
hardware processor, a warning indicia relative to the at least one field of the user interface displayed to the user by the
information display application, disable automatic provision of the user information into the at least one field, and prevent
the user from manually inputting information into the at least one field that is displayed to the user by the information
display application, and

in response to determining that the user interface information originates from a verified source, enable automatic provision
of the user information into the at least one field based on the at least one field corresponding to the predefined authorized
set of fields and based on predefined information that corresponds to the at least one field; and

a disposable credit card number module to,
generate, in response to the determining that the user interface information originates from a verified source, a limited
use credit card number for a financial transaction, and

provide the limited use credit card number to the form fill module, wherein the form fill module is configured to automatically
fill the limited use credit card number into a credit card number field, designated as such by the detection module, for the
financial transaction in response to receiving the limited use credit card number from the disposable credit card number module
and based on the credit card number field corresponding to the predefined authorized set of fields.

US Pat. No. 9,384,286

COMPOSITE SEARCH RESULTS

PayPal, Inc., San Jose, ...

6. A computer-implemented method comprising:
receiving, by a search engine of a first website, a search query from a user accessing the first website on a device;
determining at least one search result based on the search query using the general purpose search engine;
determining item listing information of an item listed for sale on a second website based on the search query, the second
website being different from the first website;

causing the at least one search result and the item listing information to be displayed concurrently on the first website
to the user on the device; and

enabling, by a machine having a memory and a processor, the user to interact with the second website regarding the item listed
for sale by interacting with the item listing information being displayed on the first website, the enabling the user to interact
with the second website regarding the item listed for sale comprising enabling the user to complete at least one transaction-based
function for the item listed for sale using at least one functionally-active graphical user interface element displayed on
the first website and without navigating to the second website, the at least one transaction-based function comprising at
least one of submitting a request to purchase the item listed for sale and submitting a request to bid on the item listed
for sale.

US Pat. No. 9,330,252

PASSWORD CHECK BY DECOMPOSING PASSWORD

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory storing user account information, wherein the information comprises a password for a user account;
and

one or more processors for
receiving, by a service provider, a password from a user;
decomposing the password into words contained in the password, wherein at least one of the words is an actual word;
determining whether the password is formed by the words using one or more rules of concatenation, insertion, and replacement;
determining a score for the password based on the one or more rules used for forming the password with at least one rule having
a different weighting than another rule; and

comparing the score to a threshold score.

US Pat. No. 9,178,935

DISTRIBUTED STEAM PROCESSING

PayPal, Inc., San Jose, ...

1. A computer-implemented system comprising:
at least one processor;
a configuration module that is executable by the at least one processor to:
configure a node to execute as a first slave node in a first operating environment that does not support Hadoop, the first
slave node with access to a local file system;

add the first slave node to a Hadoop cluster that includes a second slave node that is configurable to operate in a second
operating environment that supports Hadoop and with access to a network file system different from the local file system,
the second slave node to operate in a second operating environment that is different from the first operating environment;

configure the first slave node of the first operating environment that does not support Hadoop to share the access to the
network file system with the Hadoop cluster including the second slave node of the second operating environment that supports
Hadoop; and

update the network file system to indicate the first slave node as being added to the Hadoop cluster; and
a communication module to:
receive a request from the first slave node of the first operating environment to access a log file from the network file
system, the log file stored by the network file system operated within the second operating environment that supports Hadoop;
and

request a server-side runner module to retrieve the log file through the network file system operated by the second operating
environment that supports Hadoop.

US Pat. No. 9,471,917

DONGLE FACILITATED WIRELESS CONSUMER PAYMENTS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to perform operations comprising:

detecting, via a hardware communication interface, a passive check in request for a user device,
the passive check in request occurring as a result of a first wireless exchange using a Bluetooth low energy (BLE) protocol
between the user device and a beacon installed at a particular location within a merchant establishment while the user device
is in proximity to the beacon and without requiring affirmative action by a user on the user device;

identifying a user associated with the user device as being present at the particular location;
responsive to the identifying, determining one or more promotional information items based on the particular location;
presenting the one or more promotional information items on the user device; and
causing, based on an authentication of the user device, a payment to be made from a user payment account identified on the
user device to a merchant associated with the merchant establishment.

US Pat. No. 9,336,297

CONTENT INVERSION FOR USER SEARCHES AND PRODUCT RECOMMENDATIONS SYSTEMS AND METHODS

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing content information, wherein the content information comprises user response information and
product information; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving a user search content, wherein the user search content corresponds to a user needs expression having a user subject
and a user feature;

determining a user syntactic parse tree corresponding to the user needs expression;
determining a first content through an online search engine server using the user search content, wherein the first content
includes a first sentence having at least one first sentiment expression;

creating a syntactic parse tree of the first sentence;
identifying a first sentiment in the at least one first sentiment expression, wherein the first sentiment corresponds to a
first polarity;

determining a first needs expression corresponding to the first sentiment, wherein the first needs expression includes a first
subject;

aligning phrases between the user syntactic parse tree and the syntactic parse tree;
determining a generalization score between the user search content and the first sentence using the phrases aligned between
the user syntactic parse tree and the syntactic parse tree, wherein the generalization score is determined using scoring weights
assigned to aligned nouns, aligned verbs, and other aligned parts of speech; and

providing search results based on the generalization score and a plurality of generalization scores for the user syntactic
parse tree and a plurality of syntactic parse trees.

US Pat. No. 9,262,392

USER INFORMATION POPULATION

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving, by one or more processors of an identification (ID) provider server via a network, a request for ID information
in response to a user device of a user accessing a form at a front end of a web site hosted by a web site server;

receiving, by the one or more processors via the network, additional information relating to the user from one or more information
provider servers prior to responding to the request and based on the user providing permission for the one or more information
provider servers to provide the additional information to the ID provider server, wherein the additional information comprises
information used to log in to, sign on to, or register the user with the web site; and

providing, by the one or more processors, the ID information and user information corresponding to data fields of the form
to populate the data fields to the web site server via the network, wherein the corresponding user information comprises at
least a part of the additional information received from the one or more information provider servers.

US Pat. No. 9,208,453

TARGETED MULTI-DIMENSION DATA EXTRACTION FOR REAL-TIME ANALYSIS

PayPal, Inc., San Jose, ...

1. A system for extracting targeted transactional data for real-time reporting, the system comprising:
a data store to maintain data created by an application;
a server communicatively coupled to the data store, the server including one or more processors to execute the following modules:
a data extraction module to extract a subset of the data stored in the data store according to an extraction scheme, the extraction
scheme including,

a computation block defining parameters for how data attributed to an individual user of the application will be extracted
from the data maintained in the data store;

a list of tracked events, each tracked event identifying a specific operation performed by a user while interacting with the
application and stored within the data store;

a success metric defining an operation performed by a user within the application and stored within the data store; and
a target dimension defining a programmable characteristic of the application;
wherein the data extraction module is configured to:
filter the data according to the computation block to obtain data attributed to the individual user;
extract events from the data attributed to the individual user based on the list of tracked events; and
identify within the extracted events from the data attributed to the individual user operations defined by the success metric;
attribute each of the identified operations to at least one of the extracted events from the data attributed to the individual
user;

a data compression module to compress the attributed extracted subset of the data into a set of aggregated key value pairs,
each of the aggregated key value pairs including a key defined by the target dimension and an associated value from success
metric attribution, the target dimension representing a unique configuration of the application; and

a denormalized database to store the aggregated key value pairs.

US Pat. No. 9,171,056

SYSTEM AND METHOD FOR RETRIEVING AND NORMALIZING PRODUCT INFORMATION

PayPal, Inc., San Jose, ...

1. A system, comprising:
a data collector, implemented by one or more processors, that is configured to collect product information from a plurality
of suppliers, the product information relates to a product that is described differently by two or more of the plurality of
suppliers; and

a normalization engine that is configured to provide a normalized representation of the product.

US Pat. No. 9,558,485

TWO STEP NEAR FIELD COMMUNICATION TRANSACTIONS

PAYPAL, INC., San Jose, ...

1. A method, comprising:
receiving information relating to a transfer by a near field communication (NFC) enabled data communication device of a sender;
detecting the device of the sender is within a first proximity to an NFC enabled data communication device of a recipient
a first time;

in response to the detecting:
establishing a first NFC link between the device of the sender and the device of the recipient; and
transmitting information relating to the recipient from the device of the recipient to the device of the sender via the first
NFC link;

detecting the device of the sender is within the first proximity to the device of the recipient a second time; and
in response to detecting the device of the sender is within the first proximity of the device of the recipient the second
time:

establishing a second NFC link between the device of the sender and the device of the recipient;
in response to establishing the second NFC link, establishing a data communication link between the device of the sender and
a third party service provider via a network; and

transmitting the information relating to the transfer and the information relating to the recipient directly from the device
of the sender to the third party service provider via the network and thereby cause the service provider to transfer money
from a funding account of the sender to a receiving account of the recipient.

US Pat. No. 9,508,098

SHOPPING CONTEXT ENGINE

PAYPAL, INC., San Jose, ...

1. A system, comprising:
at least one hardware processor;
and
memory storing instructions that are executable using the at least one hardware processor to cause the system to perform operations
including:

providing, in a user interface, a graphical element that includes an identification of a context in relation to a product
or service;

in response to receiving a selection of the graphical element in the user interface:
processing information from a plurality of users of a network marketplace regarding the product or service to determine attributes
relevant to the context, and

displaying, in the user interface, a list of the determined attributes;
in response to receiving a selection of at least one of the determined attributes:
generating result data by retrieving data associated with the context and filtering the retrieved data according to the at
least one selected attribute,

grouping the result data based on corresponding data types, and
providing graphical tabs, in the user interface, for each group of result data, each tab including an identification of the
corresponding data type; and

in response to receiving a selection of a graphical tab, updating the user interface to display an entry field for entering
a new result data of the corresponding data type for which the selected graphical tab is provided.

US Pat. No. 9,448,689

WEARABLE USER DEVICE ENHANCED DISPLAY SYSTEM

PayPal, Inc., San Jose, ...

1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to perform operations comprising:

providing an instruction to a user to perform a field of view calibration reference process with a field of view calibration
object and, in response, determining a field of view calibration reference position using information from at least one first
image of the field of view calibration object that is captured by a camera and first orientation data received from an orientation
determination device:

providing an instruction to the user to perform a field of view calibration data process with the field of view calibration
object and, in response, determining field of view calibration information based on the field of view calibration reference
position, information from at least one image of the field of view calibration object that is captured by the camera during
at least one head movement over a range of head motion, and second orientation data received from the orientation determination
device;

performing a field of view calibration for the user using the field of view calibration information; and
displaying graphical information on a display device according to a user field of view based on the field of view calibration.

US Pat. No. 9,412,132

METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE

PayPal, Inc., San Jose, ...

1. A consumer device comprising:
a communication module configured to communicate with a central database and a merchant online location;
a non-transitory memory storing instructions;
a display; and
one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory
memory to cause the consumer device to perform operations comprising:

initiating, via the communication module, a transaction for a consumer on the consumer device at the merchant online location;
and

presenting, using an interactive interface of the display, one or more credit products to the consumer on the consumer device
at the merchant online location during the transaction, the one or more credit products being transmitted from the central
database,

wherein the transmission of the one or more credit products causes the merchant online location, via the interactive interface,
to present the one or more credit products without redirecting the consumer from the merchant online location to a third party
site during the transaction to present the one or more credit products, receive an application from the consumer for at least
one of the one or more credit products, and consummate the transaction.

US Pat. No. 9,386,029

METHOD AND SYSTEM FOR TRACKING FRAUDULENT ACTIVITY

PayPal, Inc., San Jose, ...

1. A system for tracking potentially fraudulent activity, the system including:
a fraud tracking database; and
a fraud tracking server connected to the fraud tracking database, the fraud tracking server including:
a memory having instructions embodied thereon;
one or more processors coupled to the memory and configured by the instructions to perform operations comprising:
receiving data identifying a spoof site;
generating a spoof site tracking record stored in the fraud tracking database, the spoof site tracking record including the
data identifying the spoof site;

retrieving a first document from the spoof site;
storing contents of the first document in the spoof site tracking record;
automatically monitoring the spoof site to determine whether the spoof site is still active by periodically attempting to
access the document associated with the spoof site;

comparing contents of a document retrieved during the automatic monitoring with the stored contents of the first document;
and

based on a result of the comparison, updating the spoof site tracking record by adding to the spoof site tracking record data
indicating whether or not the first document was still accessible during the automatic monitoring.

US Pat. No. 9,350,603

DAISY CHAIN DISTRIBUTION IN DATA CENTERS

PayPal, Inc., San Jose, ...

1. A system comprising:
one or more processors;
a connection creation module configured to, using the one or more processors, instruct three or more data nodes to create
communication connections between the three or more data nodes, the communication connections configured to transmit a data
file across the three or more data nodes beginning at a seeder data node of the three or more data nodes and ending at a terminal
data node of the three or more data nodes; and

a recovery module configured to instruct a data node of the three or more data nodes that immediately precedes a failed data
node detected in the three or more data nodes to form a leapfrog connection with a data node of the three or more data nodes
immediately following the failed data node and to instruct the terminal data node to form a communication connection with
the failed data node so that the failed data node becomes a new terminal data node of the three or more data nodes;

the recovery module further configured to detect that the failed data node has failed based on non-receipt of a message from
the failed data node, the message acknowledging receipt of the transmitted data file by the failed data node.

US Pat. No. 9,349,126

METHOD AND APPARATUS FOR USING SENSORS ON A PORTABLE ELECTRONIC DEVICE TO VERIFY TRANSACTIONS

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory storing instructions; and
one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving a notification that a mobile electronic device of a user is used to conduct a first electronic transaction;
detecting, via one or more sensors of the mobile electronic device, one or more physical or electronic states of the mobile
electronic device before, during, or after the first electronic transaction, wherein the one or more sensors comprise an accelerometer,
an ambient light sensor, a gyroscope, a GPS unit, or a transceiver, wherein the detecting comprises at least one of the following:

detecting, via the accelerometer, a burst of movement of the mobile electronic device before the first electronic transaction;
detecting, via the ambient light sensor, an ambient light change for the mobile electronic device before or during the first
electronic transaction;

detecting, via the gyroscope, an orientation of the mobile electronic device during the first electronic transaction; and
detecting, via the GPS unit, a stationary GPS signal during the first electronic transaction;
establishing, based on the detected one or more physical or electronic states, a first model that associates one or more expected
physical or electronic states of the mobile electronic device with a second electronic transaction to be conducted by the
mobile electronic device, wherein the first electronic transaction and the second electronic transaction are the same type
of electronic transaction; and

repeating the receiving, the detecting, and the establishing such that at least a second model is established for the user,
wherein the first model and the second model correspond to different types of electronic transactions.

US Pat. No. 9,350,741

APPLICATION PLATFORM WITH FLEXIBLE PERMISSIONING

PayPal, Inc., San Jose, ...

1. A system comprising:
one or more processors; and
one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more
processors are adapted to cause the system to:

access a profile for an application developer, wherein the profile is based, at least in part, on a plurality of transactions
performed with the application developer and the profile includes a plurality of records associated with an account of the
application developer; and

determine permissions given to the application developer to use or access features or functional capabilities of an application
programming interface (API) according to the profile of the application developer, wherein the application developer is vetted
to access or use certain or all the features or functional capabilities of the API.

US Pat. No. 9,286,449

SYSTEM AND METHODS FOR PROTECTING USERS FROM MALICIOUS CONTENT

PAYPAL, INC., San Jose, ...

1. A device comprising:
a display;
a network interface component configured to receive content;
a user interface that receives at least one user-generated device interrupt in response to a stimulus generated in response
to the received content; and

at least one processor that:
in response to receiving content from a webpage, classifies the content as trusted or not trusted and determines that the
webpage has a login screen;

in response to determining that the webpage has a login screen, displays a request for the at least one user-generated interrupt
on the display;

receives the at least one user-generated interrupt;
displays the login screen in response to receiving the at least one-user generated interrupt when the content is classified
as trusted; and

terminates the webpage and prevents the display of the login screen in response to receiving the at least one user-generated
interrupt when the content is classified as not trusted.

US Pat. No. 9,270,832

DESTINATION DEVICE BILLING ACCORDING TO CALL RECIPIENT

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving, by a billing service communicatively connected through a data network to a destination device for a first subscriber,
a biometric sampling comprising a first subscriber authenticated identifier for the first subscriber from the destination
device during a data signal transmission between the first subscriber and a second subscriber, wherein the first subscriber
authenticated identifier authenticates an identity of the first subscriber with an authentication service communicatively
connected with the data network;

accessing, by the billing service, billing specifications for the first subscriber using the first subscriber authenticated
identifier;

accessing, by the billing service, a payment request for a sale by the second subscriber to the first subscriber; and
processing, by the billing service, a payment for the payment request from the first subscriber to the second subscriber using
the billing specifications.

US Pat. No. 9,245,107

SYSTEMS AND METHODS FOR DETERMINING A STRENGTH OF A CREATED CREDENTIAL

PAYPAL, INC., San Jose, ...

1. A device for determining a strength of a created credential, comprising:
one or more hardware processors configured to determine an initial credential strength, comprising:
decomposing a created credential into credential components;
parsing the credential components using a limited word dictionary that is a subset of a second word dictionary;
determining a probability of the credential components using a limited ruleset; and
calculating a score of the created credential based on the determined probability;
a memory device, the memory storing the limited word dictionary and the limited ruleset; and
a network interface component coupled to a network, the network interface component configured to transmit the created credential
to a remote server over the network for determining a secondary credential strength when the calculated score is above a threshold,
wherein determining the secondary credential strength comprises:

parsing the credential components using the second word dictionary.

US Pat. No. 9,104,855

DYNAMIC SECURE LOGIN AUTHENTICATION

PAYPAL, INC., San Jose, ...

1. A system for performing transactions using a network, the system comprising:
a server in communication with the network, the server comprising a processor circuit and a memory circuit; wherein:
the memory circuit stores private account information from registered users; and
the memory circuit stores commands that when executed by the processor circuit cause the server to perform a method comprising:
requesting login information for a private account from a user using a login identifier for the private account;
when the login information is not received from the user:
determining whether a transaction is below a risk threshold determined by a risk assessment algorithm, the risk assessment
algorithm using a purchase history associated with the private account;

terminating the transaction when the transaction is not determined to be below the risk threshold;
completing the transaction with the private account using a guest login when the transaction is determined to be below the
risk threshold upon later confirming the login information, later confirming the login information by confirming, after completing
the transaction with the guest login, the login information using a login configuration;

wherein:
the login configuration comprises a matrix of dynamic symbols; and
confirming the login information comprises:
determining an expected password for the user based on a stored trace pattern provided by the user and the symbols in the
matrix;

receiving a password from the user; and
determining whether the password matches the expected password.

US Pat. No. 9,613,030

DEVICE ORIENTATION BASED TRANSLATION SYSTEM

PayPal, Inc., San Jose, ...

1. A language translation system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, using a microphone, an audible phrase spoken in a first language;
performing a voice recognition process to convert the audible phrase into a plurality of text in the first language;
providing for display, on a display device when a first orientation is reported by an orientation detection device, the plurality
of text in the first language and a first directional reading format;

detecting, using the orientation detection device, a reorientation from the first orientation to a predefined orientation
that is rotated relative to the first orientation;

translating, in response to the detecting of the reorientation to the predefined orientation, the plurality of text from the
first language to a second language; and

providing for display, on the display device in response to the detecting of the reorientation to the predefined orientation,
the plurality of text in the second language and a second directional reading format that is different than the first directional
reading format.

US Pat. No. 9,577,843

METHOD AND SYSTEM TO ROUTE A VOIP CALL TO A REPRESENTATIVE AT A PROVIDER'S SITE

PAYPAL, INC., San Jose, ...

6. A method comprising:
receiving, via a user interface, a voice over Internet protocol (VoIP) call request, the VoIP call request being indicative
of a request for a referral of a provider of a service type;

responsive to the receiving of the VoIP call request determining, utilizing at least one processor and based on selection
criteria stored in a data structure associated with an identification of a user who is an initiator of the VoIP call request,
an identification of a suitable provider of the service type, the determining utilizing identification information associated
with the initiator of the VoIP call request; and

routing a VoIP call to the suitable provider of the service type.

US Pat. No. 9,576,321

INFRASTRUCTURE SUPPORTING ONLINE TRANSACTIONS

PayPal, Inc., San Jose, ...

1. A web server system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to execute the instructions from the non-transitory
memory to cause the web server system to perform operations comprising:

receiving a request, from a first online website generated by one or more server engines of the web server system, wherein
the request is received based at least on an input to a user device detected by the first online website;

retrieving personal information from the request associated with the input detected by the first online website;
identifying product information from the request that indicates at least one product on a second online website;
determining, by a filtering component of the web server system, at least one financing vehicle from a plurality of databases
of the web server system based at least on the personal information and the at least one product available on the second online
website;

determining, by the one or more server engines, an approval for the at least one financing vehicle to obtain the at least
one product on the second online website based at least on the personal information; and

causing, by the one or more server engines, the user device to display an indication of the approval for the at least one
financing vehicle to obtain the at least one product from the second online website based at least on the personal information.

US Pat. No. 9,535,998

INFORMATION REPOSITORY SEARCH SYSTEM

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving a plurality of search criteria, over a network, from a plurality of client machines;
associating the plurality of search criteria with source information, the source information identifying a plurality of sources
via which the plurality of search criteria are being received, the plurality of sources including a plurality of websites,
the plurality of search criteria being received from the plurality of client machines via the plurality of websites;

associating the plurality of search criteria with category information, the category information including a plurality of
categories into which information in an information repository is categorized, the information repository being stored in
a networked database;

storing, in the information repository, a plurality of counts of instances for the plurality of search criteria in association
with the respective source information and category information;

storing, for each of a plurality of unique source information and category information combinations, a count of instances
for a first search criterion, the plurality of counts of instances for the plurality of search criteria including the count
of instances for the first search criterion;

generating, for each of the plurality of unique source information and category information combinations, a ranked set of
search criteria from the plurality of search criteria based on matching associated source information and category information;
and

transmitting, from a server over a network, instructions to cause a client machine to generate a user interface that is configured
to display the ranked set of search criteria.

US Pat. No. 9,516,004

DETECTING HORIZONTAL ATTACKS

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory storing a list of common credentials;
a network interface component, configured to receive a credential associated with a user authentication attempt; and
one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
determining if the received credential is correct;
comparing the received credential to the list of common credentials when the received credential is not correct; and
when the received credential matches a common credential on the list of common credentials:
increasing a score by a weighted factor based on the received credential matching the common credential, wherein increasing
the score indicates an increased likelihood that an attacker is entering common credentials in a horizontal attack in order
to gain access to a user account;

storing a time associated with the score increase; and
making a security determination based on the score;
wherein the weighted factor is lower when a time since a previous score increase is greater than a threshold time than when
the time since the previous score increase is less than or equal to the threshold time.

US Pat. No. 9,508,094

PRIORITIZATION OF THIRD PARTY ACCESS TO AN ONLINE COMMERCE SITE

PAYPAL, INC., San Jose, ...

1. A method comprising:
receiving a first access request from a client;
generating an original access rule for the client, the original access rule comprising at least one parameter for accessing
at least one service of a network-based site;

using the original access rule in responding to the first access request;
modifying, by a machine having a memory and at least one processor, the access rule to form a modified access rule for the
client, the modified access rule comprising a modification of the at least one parameter for accessing the at least one service
of the network-based site;

receiving a second access request from the client; and
using the modified access rule in responding to the second access request.

US Pat. No. 9,503,845

IMAGE CUSTOMIZATION TO ENHANCE TRANSACTION EXPERIENCE

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to cause the system to perform operations
comprising:

providing a user interface that display a likeness of a user on a device associated with the user;
determining a first location of the device;
accessing a profile of the user to determine item preferences of the user;
automatically determining a first item for sale based on the item preferences, the first item being in proximity to the first
location;

automatically updating the user interface to display the first item for sale, wherein the displayed first item reflects item
attributes preferred by the user and is overlaid on the likeness of the user;

detecting that the user purchased the first item;
in response to detecting that the user purchased the first item, updating the user interface to remove the first item;
determining a second location of the device;
automatically determining a second item for sale based on the item preferences, the second item being in proximity to the
second location; and

updating the user interface to display the second item for sale, wherein the displayed second item reflects item attributes
preferred by the user and is overlaid on the likeness of the user.

US Pat. No. 9,501,657

SENSITIVE DATA PROTECTION DURING USER INTERFACE AUTOMATION TESTING SYSTEMS AND METHODS

PAYPAL, INC., San Jose, ...

10. A method comprising:
receiving a data file for a website user interface (UI) automation test, wherein the data file includes cipher text corresponding
to data entered to a field of the website UI during a test session and encrypted on entry to the field;

determining the cipher text using a cipher mapping file for the data file, wherein an encryption algorithm corresponding to
the cipher text is stored with the cipher mapping file;

decrypt the cipher text using the encryption algorithm to obtain the data; and
execute the website UI automation test using the data.

US Pat. No. 9,495,674

ENABLING SECURE TRANSACTIONS WITH AN UNDERPOWERED DEVICE

PAYPAL, INC., San Jose, ...

1. A mobile device, comprising:
a battery;
a display; and
one or more hardware processor coupled to a non-transitory memory and configure to execute instructions to cause the mobile
device to perform operations comprising:

obtaining, through an application installed on the mobile device, an optical machine-readable representation identifying a
payment account;

presenting the optical machine-readable representation identifying the payment account on the display in response to a charge
level of the battery being below a first predetermined threshold;

maintaining presentation of the optical machine-readable representation identifying the payment account on the display; and
removing the presentation of the optical machine-readable representation identifying the payment account in response to the
charge level of the battery being above a second predetermined threshold.

US Pat. No. 9,489,503

BEHAVIORAL STOCHASTIC AUTHENTICATION (BSA)

PAYPAL, INC., San Jose, ...

1. A system for use with a service provider and a consumer electronic device, the system comprising:
a database of the service provider, the database comprising stochastic behavioral information associated with a user, wherein
the stochastic behavioral information includes a stochastic material comprising buying habit information including a time
of purchase and a location of the user at the time of purchase;

a non-transitory memory storing machine-readable instructions; and
one or more hardware processors coupled to the non-transitory memory and configured to read the machine-readable instructions
to cause the system to perform operations comprising:

accessing the database for the stochastic behavioral information associated with the user for authenticating the user;
periodically pinging the stochastic behavioral information associated with the user, wherein:
the pinging comprises verifying at least a portion of the stochastic behavioral information; and
the periodicity of the pinging is set to a particular period of time determined according to a sliding scale value for the
user that is based on an accumulation of data comprising the stochastic behavioral information associated with the user;

communicating with the consumer electronic device for providing communication between the user and the processor;
collecting a specific instance of stochastic material based on the communication with the consumer electronic device;
comparing the specific instance of stochastic material with the stochastic material in the database;
determining whether the specific instance of stochastic material is a fit to a pattern of variation portrayed by the buying
habit information associated with the user; and

authenticating the user, based on 1) the fit to the pattern of variation and 2) a computation directly from the specific instance
of stochastic material, including a first time of a first purchase and a first location of the user at the first time of the
first purchase, and the stochastic material in the database, including a second time of a second purchase and a second location
of the user at the second time of the second purchase, that the difference in time between the first time and the second time
is not less than a pre-specified minimum travel time for the user based on the distance between the first location and the
second location.

US Pat. No. 9,489,700

SYSTEM, METHOD AND MEDIUM FOR SOCIAL NETWORK INFORMATION FEED IN-LINE PURCHASING BY IMAGE RECOGNITION

PayPal, Inc., San Jose, ...

1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

displaying, on a user device, an information feed provided by a social networking service that includes a plurality of information
posts, wherein a first information post of the plurality of information posts includes an image;

performing image recognition operations on the image displayed on the user device in the first information post to analyze
the image and identify a referenced product that is included in the image;

converting the image that is included in the first information post and that identifies the referenced product to a selectable
electronic link for the referenced product;

displaying, on the user device, the image selectable electronic link as part of the first information post in the information
feed;

receiving, from the user device, a selection of the image selectable electronic link that is part of the first information
post in the information feed;

in response to receiving the selection of the image selectable electronic link that is part of the first information post
in the information feed:

retrieving product information for the referenced product;
displaying, on the user device, the product information as part of the first information post in the information feed;
retrieving user payment information of the user;
displaying, on the user device, the user payment information as part of the first information post in the information feed;
displaying, on the user device, a purchase confirmation element as part of the first information post in the information feed;
receiving, from the user device, a purchase confirmation through an input provided using the purchase confirmation element
that is part of the first information post in the information feed; and

causing, in response to receiving the purchase confirmation, a purchase of the referenced product using the user payment information.

US Pat. No. 9,459,782

ONLINE LOGO TOOL

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving, from a user device, a selection of a graphical payment element for addition to a web page;
generating a preview of the web page that includes the graphical payment element that is configured to be moved relative to
the preview of the web page and a color palette for selecting a background color of the graphical payment element on the web
page;

receiving a selection of the background color of the graphical payment element, the selection corresponding to a user indication
made using a selector element that selects the background color directly from the web page;

detecting user input received at the user device causing a movement of the graphical payment element relative to the preview
of the web page to a first position on the preview of the web page; and

generating graphical payment element code that is configured to be provided with web page code for the web page such that
the execution of the web page code and the graphical payment element code provides for display the web page that includes
the graphical payment element at a second position relative to the web page that correspond to the first position on the preview
of the web page.

US Pat. No. 9,454,774

SYSTEM AND METHOD TO PROMOTE A PUBLICATION

PayPal, Inc., San Jose, ...

1. A machine-readable storage medium having no transitory signals and storing instructions that, when executed by at least
one processor of a machine, cause the machine to perform operations comprising:
during a listing flow to create a publication, receiving, from a user, data provided via one or more user interfaces to describe
an item, the data being used to create the publication including a description of the item for placement on a network-based
system;

in response to the receiving of the data to describe the item, determining that the user is eligible to receive one or more
options to promote the publication on the network-based system, the determining based on a rule condition associated with
each of the one or more options;

based on the determining that the user is eligible to receive the one or more options to promote the publication, causing
presentation of the one or more options on the one or more user interfaces through which the user selects an option from the
one or more options to promote the publication on the network-based system;

receiving a selection, via the one or more user interface, of the option to promote the publication; and
publishing the publication on the network-based system, the publishing of the publication including promoting the publication
based on the selected option to promote the publication.

US Pat. No. 9,405,835

GENERATING A SEARCH RESULT RANKING FUNCTION

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving a plurality of factors, a test set of items, and an ordering solution representing a preferred ordering of the test
set of items;

generating a potential ranking function based on the plurality of factors;
applying, using a processor, the potential ranking function to each item in the test set of items to generate an ordering
of items associated with the potential ranking function;

comparing the ordering of items with the ordering solution;
identifying, based on the result of the comparing, the potential ranking function as a solution ranking function; and
assigning a ranking score to items in a set of active items, the ranking scores assigned to the items determined based on
the solution ranking function.

US Pat. No. 9,391,963

DIFFERENTIAL CLIENT-SIDE ENCRYPTION OF INFORMATION ORIGINATING FROM A CLIENT

PAYPAL, INC., San Jose, ...

9. A method comprising:
receiving, by one or more processors over a network, encrypted data that is encrypted by a client device using a public key
allocated to an entity server;

determining, by the one or more processors, a private key corresponding to the public key allocated to the entity server by
accessing a plurality of private keys stored in a memory;

decrypting, by the one or more processors, the encrypted data using the private key to obtain decrypted data; and
providing, by the one or more processors over the network, a processing result based on at least a portion of the decrypted
data to the entity server.

US Pat. No. 9,225,710

SECURE ELEMENTS BROKER (SEB) FOR APPLICATION COMMUNICATION CHANNEL SELECTOR OPTIMIZATION

PAYPAL, INC., San Jose, ...

1. A contactless transaction communication system comprising:
a mobile device configured to communicate using contactless communication with a reader device, for receiving information
from the reader device about which apps and communication protocols are supported by the reader device for processing a transaction;

a data storage device of the mobile device including a non-transitory computer-readable medium for storing a plurality of
apps resident on the mobile device;

a processor in communication with the data storage device for executing one or more of the plurality of apps resident on the
mobile device; and

an application broker, running on the processor of the mobile device, for communicating between the mobile device and the
reader device by:

locating from the plurality of apps resident on the mobile device, a preferred app supported by the reader device and configured
to use one or more communication protocols supported by the reader device, wherein the preferred app is selected according
to a preference setting on the mobile device; and

activating the preferred app and a communication channel according to a specific configuration of the preferred app, the communication
channel, and a communication protocol from the one or more communication protocols supported by the reader device so that
the transaction with the reader device is processed by the processor of the mobile device with the preferred app over the
activated communication channel and using the communication protocol supported by the reader device.

US Pat. No. 9,218,615

AUTOMATED OPTIMIZATION OF AN ADVERTISEMENT PLACEMENT ENGINE

PAYPAL, INC., San Jose, ...

1. A system for tuning and optimizing an advertisement placement engine by simulation, comprising:
a memory storing a query log containing queries received from the advertisement placement engine; and
one or more processors in communication with the memory, the one or more processors being configured to:
select a set of queries from the query log, each query having at least one keyword and at least one parameter value;
run a search simulation for each query from the set of queries using the at least one keyword and the at least one parameter
value;

determine a bid value and rank for each query based on the search simulation;
compute an expected cost per click for each query based on the bid value, the rank, and a click probability provided in a
click through prediction model.

US Pat. No. 9,208,397

CODELESS QR CODE

PAYPAL, INC., San Jose, ...

8. A method for performing a transaction using a user device, comprising:
receiving, by one or more processors of a service provider, picture information from a user through the user device over a
network connection between the user device and the service provider, the picture information being captured by the user device
from a picture mark associated with a product or service available from a merchant;

determining from the picture information, by the one or more processors, a matching picture image from one or more picture
images of a non-code visual image stored in a server of the service provider, wherein the non-code visual image does not include
encoded information, wherein one or more attributes associated with the non-code visual image cannot be extracted from the
non-code visual image by a user device application, and wherein the merchant previously registers the non-code visual image
as the picture mark with the service provider for determination of the one or more attributes when the service provider receives
the non-code visual image;

determining, by the one or more processors, at least one matching attributes to be associated with the matching picture image
from the one or more attributes stored in the server of the service provider, wherein the one or more attributes comprise
web links, mobile APPs, or media files; and

communicating to the user device, by the one or more processors of a service provider, the at least one matching attributes
by the service provider over the network.

US Pat. No. 9,196,002

SHOPPING CONTEXT ENGINE

PayPal Inc., San Jose, C...

1. A system, comprising:
a context module including at least one processor;
a results module including at least one processor; and
a memory coupled to the modules for storing context data;
the context module configured to:
access data identifying a context in relation to a category of merchant offerings in a network marketplace, the context being
associated with a user of the network; and

process information from a plurality of other users of the network regarding the category of merchant offerings to determine
attributes relevant to the context; and

the results module configured to:
receive input from the user including a selection of at least one of the attributes; and
generate result data by retrieving data associated with the context and filtering the retrieved data according to the at least
one selected attribute and according to one of one or more ratings associated with buyers or sellers of products or services
included in the result data.

US Pat. No. 9,183,309

SYSTEM TO GENERATE RELATED SEARCH QUERIES

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving, at a search service, a first query from a user device corresponding to a current user of the search service;
analyzing, using one or more processors, existing search queries performed by users of the search service prior to the receiving
of the first query, the analyzing the existing search queries including calculating a first count of a number of users who
performed a matching query to the first query, performed a second query subsequent to the matching query, and performed at
least one post search activity on one or more search results presented in response to the second query;

determining that the first count of the number of users exceeds a threshold; and
based on the determining that the first count of the number of users exceeds the threshold, automatically providing, to the
user device, the second query of the existing search queries as at least one of:

a refinement of the first query based on determining that the second query includes all keywords in the first query, or an
alternative to the first query based on determining that at least one keyword present in the received first query is missing
from the second query of the existing search queries performed prior to the received first query by the users of the search
service.

US Pat. No. 9,569,759

ONLINE QUICK KEY PAY

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory storing user account information, wherein the user account information comprises a password or a PIN
for a user account and a user identifier for a second payment option separate from a first payment option; and

one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
receiving, by a payment provider, a payment request to a merchant from a user device associated with a user;
retrieving the user account information from the non-transitory memory;
in response to receiving the payment request and based at least on the retrieved user account information, determining the
user has enabled the second payment option associated with a user account with the payment provider, wherein the second payment
option requires a first number of user inputs less than a second number of user inputs required of the first payment option,
and wherein the second payment option does not redirect the user from a current webpage;

on the current webpage and in response to the second payment option being enabled, causing the user device to display a pop-up
payment window comprising a field for the user to enter the first number of user inputs, wherein a size of the pop-up payment
window is smaller than a size of the current webpage;

receiving, based at least on the first number of user inputs from the user, the user identifier for the second payment option,
the user identifier being different than the password or the PIN for the user account;

in response to receiving the user identifier, verifying an association of the user with the received user identifier for the
second payment option;

determining conditions specific to the merchant based on the user identifier and the merchant, wherein the user identifier
is associated with different conditions for different merchants, including different per transaction limits; and

processing the payment request based, at least in part, on the conditions specific to the merchant.

US Pat. No. 9,558,516

SOCIAL MOBILE SHOPPING SYSTEM

PAYPAL, INC., San Jose, ...

1. A social mobile shopping system comprising:
a non-transitory memory storing computer executable code comprising a recommendation application programming interface (API)
and a product availability API; and

one or more hardware processors coupled to the non-transitory memory and configured to:
receive, from a device associated with a user via a network connection, search information for the user;
process the search information using the recommendation application programming interface (API);
in response to processing the search information using the recommendation API, receive, from the recommendation API, at least
one item of interest to the user based on the search information;

process the at least one item of interest using the product availability API;
in response to processing the at least one item of interest using the product availability API, receive from the product availability
API, shopping locations providing the at least one item of interest for sale to the user;

receive, from the device associated with the user via the network connection, global positioning system (GPS) coordinates
of one or more destinations for travel by the user;

determine, using the shopping locations and the GPS coordinates, a proposed route for the user, wherein the proposed route
comprises at least one of the shopping locations; and

cause the device associated with the user to display the proposed route.

US Pat. No. 9,535,689

SOURCE CONTROL MANAGEMENT SYSTEM WITH CONTINGENT DEPENDENCY HANDLING

PayPal, Inc., San Jose, ...

8. A method for managing software components of a software project, comprising:
receiving, at a source control management system, a request to commit a first modified component of a software application,
the software application comprising a plurality of components including at least a first component and a second component;

transmitting, by the source control management system to a dependency management system, the request to commit the first modified
component of the software application;

identifying, by the dependency management system, a blocking condition, wherein the blocking condition is a dependency of
the first modified component upon a current version of the second component of the software application, wherein the current
version of the second component does not satisfy the dependency;

storing, by the dependency management system in a temporary repository, the first modified component;
subsequently receiving, at the source control management system, a request to commit a modified version of the second component
of the software application;

transmitting, by the source control management system, the request to commit the modified version of the second component
of the software application to the dependency management system;

determining, by the dependency management system, that the modified version of the second component satisfies the dependency
of the first modified component upon the second component;

transmitting, by the dependency management system to the source control management system, an approval for committing the
first and second modified components; and

committing, by the source control management system, the first modified component and the second modified component.

US Pat. No. 9,483,628

METHODS AND SYSTEMS FOR ALTERING SETTINGS OR PERFORMING AN ACTION BY A USER DEVICE BASED ON DETECTING OR AUTHENTICATING A USER OF THE USER DEVICE

PAYPAL, INC., San Jose, ...

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

in response to a finger of a first user touching a display area of a touchscreen of a user device at a first time while the
first user is using the user device in an unlocked state, receiving a first capacitive sensor signal generated by a capacitive
sensor of the touchscreen and a first pressure sensor signal generated by a pressure sensor of the touchscreen;

in response to the receiving of the first capacitive sensor signal, determining a first fingertip contact size pattern associated
with the finger of the first user;

in response to the receiving of the first pressure sensor signal, determining a first pressure pattern associated with the
finger of the first user;

in response to a finger of a second user touching the display area of the touchscreen of the user device at a second time
while the second user is using the user device in the unlocked state, receiving a second capacitive sensor signal generated
by the capacitive sensor of the touchscreen and a second pressure sensor signal generated by the pressure sensor of the touchscreen;

in response to the receiving of the second capacitive sensor signal as a result of the second user touching the display area
of the touchscreen, determining a second fingertip contact size pattern associated with the finger of the second user;

in response to the receiving of the second pressure sensor signal, determining a second pressure pattern associated with the
finger of the second user;

detecting a pattern shift from the first fingertip contact size pattern and the first pressure pattern at the first time to
the second fingertip contact size pattern and the second pressure pattern at the second time; and

in response to the detecting, altering one or more settings of the user device.

US Pat. No. 9,467,292

HARDWARE-BASED ZERO-KNOWLEDGE STRONG AUTHENTICATION (H0KSA)

PAYPAL, INC., San Jose, ...

1. A user device configured to communicate with a verifying device that is distinct from the user device, the user device
comprising:
a hardware security module (HSM) controlling access to a secret material stored within the HSM that-provides a basis for a
zero-knowledge proof authentication of the user device over a communication channel that provides a chain of trust between
the user device and the verifying device, with a mutual authentication between endpoints of each hop of the chain of trust;
and

a tag configured to be readable by the verifying device to convey a tag identifier;
wherein the user device is configured to:
respond to the verifying device in the zero-knowledge proof authentication of the user device;
receive, after the user device completes the zero-knowledge proof authentication, the conveyed tag identifier from the verifying
device via the communication channel; and

in response to determining that the received conveyed tag identifier matches a stored tag identifier stored within the HSM,
communicate to the verifying device using the chain of trust that the received conveyed tag identifier is trusted as representing
the identity of the user device.

US Pat. No. 9,460,212

SYSTEM AND METHOD FOR PERSONALIZED SEARCH

PAYPAL, INC., San Jose, ...

1. A method for providing search results on a search engine, the method comprising:
gathering a plurality of profile data;
generating a user profile associated with a user identification using the plurality of profile data, wherein the user profile
comprises a plurality of weight values with each weight value of the plurality of weight values associated with a corresponding
feature category of a plurality of feature categories, wherein the weight value for each of the feature categories is based
on an amount of personalization data of the plurality of profile data associated with the corresponding feature category;
receiving a search input from a user and the user identification;

generating a plurality of feature scores, each feature score associated with one of the plurality of feature categories based
on the search input; and

creating a ranked search result personalized to the specific user using the user profile, the creating of the ranked search
result comprising:

identifying a user preferred category for the user based on the user profile and the search input from the user;
identifying the plurality of feature scores;
identifying the weight values for each of the plurality of feature scores;
determining each of the plurality of feature scores for each of the plurality of search result items;
determining a total score for each of the plurality of search result items based on the feature scores for each of the plurality
of search result items and the weights for each of the plurality of feature scores;

ranking the plurality of search result items based on the total score; and
determining a first feature category of the plurality of feature categories comprising a keyword desirability category, wherein
each feature score associated with the keyword desirability category is based on a likelihood that a particular search result
is a desired item based on the search input and a set of search results obtained from aggregate data from users who made similar
queries.

US Pat. No. 9,459,860

MIXED MODE SESSION MANAGEMENT

PAYPAL, INC., San Jose, ...

1. An application version management system, comprising:
a non-transitory memory storing a first version of an application;
one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
loading session data that is associated with a second version of the application that is different than the first version
of the application;

detecting an error resulting from the first version of the application attempting to process the session data that is associated
with the second version of the application;

requesting an identity of a second server that is executing the second version of the application, wherein the requesting
comprises querying, in response to detecting the error, a metadata store to identify one or more servers in a server pool
that are executing the second version of the application;

receiving, in response to the query, an identity of the second server from a plurality of servers in the server pool that
are executing the second version of the application; and

transmitting a proxy request to the second server.

US Pat. No. 9,411,951

NON-NUMERIC PERSONAL IDENTIFICATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
a memory storing user account authentication information, wherein the authentication information comprises a first non-numeric
digit and a second non-numeric digit;

a processor communicating, through a network interface, to a user a first set of non-numeric options representing a plurality
of categories for a first non-numeric digit on a user device, a second set of non-numeric options representing a plurality
of sub-categories within one of the plurality of categories for a second non-numeric digit on the user device, wherein content
of the second set of non-numeric options for the second non-numeric digit is dependent on content of a user-selected first
non-numeric digit and is different than the content of the first set of non-numeric options, a third set of non-numeric options
for a third non-numeric digit, and determining whether received user-selected non-numeric digits match a stored non-numeric
authentication for the user; and

a transceiver receiving, from the user device, the user-selected first non-numeric digit comprising a word descriptor representing
one of the plurality of categories, receiving, from the user device, a user-selected second non-numeric digit representing
one of the plurality of sub-categories, and receiving a user-selected third non-numeric digit, wherein content of the third
set of non-numeric options for the third non-numeric digit dependents on the content of the user-selected second non-numeric
digit.

US Pat. No. 9,218,601

SECURE IN-LINE PAYMENTS FOR RICH INTERNET APPLICATIONS

PAYPAL, INC., San Jose, ...

1. A method comprising:
initiating, by a service provider server, an installation of a payment library on a client device, wherein initiating the
installation comprises initiating an execution of a rich Internet application (RIA) that runs on a RIA runtime of the payment
library;

receiving, by the service provider server, a connection request from the client device based on the execution of the RIA application;
requesting, by the service provider server, the payment library on the client device to perform a runtime validity check of
the RIA application;

receiving, by the service provider server, a result of the runtime validity check from the payment library on the client device;
determining, by the service provider server, from the result of the runtime validity check whether the RIA application is
verified as valid;

based on determining the RIA application is verified as valid:
sending, by the service provider server, an app authorization token to the payment library on the client device;
accepting, by the service provider server, user credentials and the app authorization token; and
initiating, by the service provider server, an authentication of the user credentials without requiring redirection of the
RIA application to a secure service provider website.

US Pat. No. 9,183,280

METHODS AND SYSTEMS USING DEMAND METRICS FOR PRESENTING ASPECTS FOR ITEM LISTINGS PRESENTED IN A SEARCH RESULTS PAGE

PayPal, Inc., San Jose, ...

1. A method of disambiguating an ambiguously identified product category, the method comprising:
receiving from a client machine, a search query comprising the ambiguously identified product category;
processing the search query to identify item listings, via a database, that satisfy the search query;
periodically deriving, for each item listing satisfying the search query, a dominant product category, the dominant product
category being a numerical score based on a number of user-events of different types associated with an item listing, the
score being used to predict the likelihood that the item listing will result in a transaction if the item listing is presented
in a search results page, the dominant product category derived using a half-life formula such that a value for any particular
event contributing to the dominant product category is reduced over time, as determined by the half-life formula, wherein
the half-life formula has a configurable parameter representing a number of days until the value of an event contributing
to the dominant product category is reduced by half, the configurable parameter being configurable on a per product category
basis;

providing via a network interface to the client machine, a first message comprising a plurality of images of the item listings
hierarchically related by selectable product category aspects, the first message to be displayed at the client machine, each
of the plurality of images relating to the same type of item, the plurality of images ranked by their dominant product categories;

detecting via the network interface a selection at the client machine of more than one of the plurality of images that unambiguously
identify the ambiguously identified product category;

responsive to the detecting of the selection, providing via the network interface to the client machine, a second message
comprising one or more selectable images of additional aspects of the ambiguously identified product category, the second
message to be displayed at the client machine, the one or more selectable images of additional aspects unambiguously identifying
the dominant product category as the ambiguously identified product category; and

responsive to detecting the selection of at least one image of an aspect of more than one of the plurality of images that
unambiguously identifies the product category or one or more selectable images of additional aspects of the product category,
searching for listings of items of the dominant product category having the aspects represented by the at least one image
of an aspect.

US Pat. No. 9,183,551

LOCATION-BASED PAYER CHARGING SYSTEM

PayPal, Inc., San Jose, ...

1. A method for charging a payer, comprising:
automatically detecting, by a provider computing device, a payer mobile phone entering an event area, wherein the payer mobile
phone is associated with a payer account;

associating the payer mobile phone with an event invoice in a database by the provider computing device;
receiving an identification of an associated mobile phone over a network by the provider computing device from the payer mobile
phone, wherein the identification of the associated mobile phone includes a phone number of the associated mobile phone;

associating the associated mobile phone with the event invoice in the database by the provider computing device;
determining, by the provider computing device, that the payer mobile phone has been involved in at least one payer mobile
phone charging event while being located in the event area and that the associated mobile phone has been involved in at least
one associated mobile phone charging event while being located in the event area and, in response, associating, by the provider
computing device, a charge with the event invoice in the database for each payer mobile phone charging event the payer mobile
phone has been involved in and for each associated mobile phone charging event the associated mobile phone has been involved
in;

receiving an identification of a secondary payer mobile phone over the network by the provider computing device from the payer
mobile phone;

detecting the payer mobile phone leaving the event area by the provider computing device;
associating the secondary payer mobile phone with the event invoice in the database by the provider computing device in response
to detecting the payer mobile phone leaving the event area;

detecting the secondary payer mobile phone leaving the event area following the detecting of the payer mobile phone leaving
the event area and, in response, charging, by the provider computing device, the payer account for the event invoice including
the charges for each payer mobile phone charging event and each associated mobile phone charging event.

US Pat. No. 9,104,803

ON-DEMAND SOFTWARE TEST ENVIRONMENT GENERATION

PayPal, Inc., San Jose, ...

1. A system having a processor comprising:
a dependency module using one or more processors configured to:
receive a command to create a test environment, the command comprising a primary function to be tested in the test environment,
identify one or more dependent functions of the primary function, the dependent functions comprising:
functions that the primary function directly depends upon or databases the primary function accesses or both;
one or more additional dependencies that the dependent functions depend upon; and
information stored in a database and information observed when implementing the primary function; and
generate a topology within the test environment that encapsulates the dependent relationship of the dependent functions to
the primary function;

a provisioning module configured to provision each of a set of pools based on the topology within the test environment separate
from the production environment, the provisioning results in a test environment that does not depend on dependent functions
outside the test environment;

an enterprise service bus (ESB) routing module configured to update ESB routing of the primary function to route from pools
outside the environment to the set of pools within the test environment; and

a credentials module configured to provide credentials of the pools to a developer, the credentials allow the developer to
access the test environment.

US Pat. No. 9,542,671

METHOD AND SYSTEM TO FACILITATE SECURELY PROCESSING A PAYMENT FOR AN ONLINE TRANSACTION

PAYPAL, INC., San Jose, ...

1. A computer-implemented method to facilitate processing a payment for an online transaction, the method comprising:
responsive to receiving transaction data, digitally signed by the merchant, from a merchant server over a secure communication
channel generating by a payment processor, based on the transaction data, a transaction data identifier;

communicating the transaction data identifier from the payment processor to the merchant server over the secure communication
channel;

receiving by the payment processor from the merchant server a request to process a payment, the request being digitally signed
by the merchant and including the transaction data identifier;

responsive to receiving the request, requesting by the payment processor user credentials from a user;
responsive to receiving the user credentials from the user, verifying, by the payment processor, the user credentials to establish
an identity of the user;

processing a payment using an account associated with the user credentials, by the payment processor sending the payment to
the merchant;

generating a secure payment identifier to identify payment data associated with the payment, the payment data including a
payment status;

communicating the secure payment identifier, digitally signed by the payment processor, to the merchant server; and
receiving, by the payment processor, a request for payment data, digitally signed by the merchant, over the secure communication
channel from the merchant server, the request including the secure payment identifier.

US Pat. No. 9,460,405

SYSTEMS AND METHODS FOR CLOUD DATA LOSS PREVENTION INTEGRATION

PAYPAL, INC., San Jose, ...

1. A computer-implemented system comprising:
a job scheduler implemented by one or more processors and configured to:
receive an activity notification from a cloud service that stores data on behalf of an enterprise, the activity notification
including one or more data fields specifying at least a file name of a file and an activity performed on the file by the cloud
service;

verify the one or more data fields of the activity notification, the verifying the one or more data fields of the activity
notification includes:

determining that a data field among the one or more data fields includes an invalid value;
determining an expected value of the data field that includes the invalid value, in response to the determining that the data
field includes the invalid value; and

communicating an error message to the cloud service that includes an indication of the invalid value and the expected value
of the data field;

a backend server implemented by one or more processors and configured to:
download the file from the cloud service using the file name specified by the activity notification and an enterprise user
identifier; and

a data loss prevention engine, implemented by one or more processors, the data loss prevention engine is separate from the
cloud service, and configured to:

analyze the downloaded file against a data loss prevention rule, the data loss prevention rule specifying conditions that
violate a data loss prevention policy of the enterprise;

the backend server is further configured to, responsive to transmitting the downloaded file to the data loss prevention engine,
delete a copy of the downloaded file from the cloud service, and responsive to an outcome of an analysis of the downloaded
file against the data loss prevention rule, communicate an action response to the cloud service directing the cloud service
to perform an action on the file, the action being based on the outcome of the analysis;

the analysis by the one or more processors is performed independently of any logic residing on, or operations performed by,
the cloud service; and

the data loss prevention engine further configured to generate a report that tracks and reports on the activity notification.

US Pat. No. 9,412,128

SYSTEM AND METHOD FOR RETRIEVING AND NORMALIZING PRODUCT INFORMATION

PayPal, Inc., San Jose, ...

1. A system comprising:
one or more processors and executable instructions accessible on a computer-readable medium that, when executed, cause the
one or more processors to perform operations comprising:

in response to a receipt of a user indication of a product, selecting, by a computer system, a normalized representation of
the product, the normalized representation is based on product information that is collected from two or more suppliers and
described differently by the two or more suppliers;

based on the normalized representation, identifying a plurality of offerings for the product, the plurality of offerings including
offerings from the two or more suppliers that describe the product differently;

causing presentation, via a user interface, information that corresponds to the plurality of offerings for the product.

US Pat. No. 9,218,227

METHOD AND SYSTEM FOR USER-DESIGNED APPLICATION DEPLOYMENT

PayPal, Inc., San Jose, ...

1. A method comprising:
receiving a request, from a client device, to access an external developer application residing at a server within a system,
the external developer application including an external developer interface, the external developer interface providing a
customized interface associated with the external developer application for a user of the system that is different from a
standard interface available with the system;

tracking utilization of a resource of the system used by the external developer application;
evaluating the tracked utilization of the resources of the system used by the external developer application;
based on the evaluation, processing the request, by the server, by utilizing a high-level application program interface (API)
associated with the external developer application, the high-level API implementing a plurality of low-level API calls to
access data available to the system;

providing a response to the request to present at least some of the data on the external developer interface using a link
to a website or other network resource; and

denying the request, from the client device, to access content available from the system through the external developer interface
when the utilization of the resources with the system exceeds a system threshold.

US Pat. No. 9,589,263

AUTOMATIC PAYMENT CODE DISPLAY SYSTEM

PayPal, Inc., San Jose, ...

1. An automatic payment code display system, comprising:
a non-transitory memory storing an encrypted user account authentication token that is configured to be decrypted to access
a user payment account identifier that identifies a user payment account and authentication credentials for the user payment
account; and

one or more hardware processors coupled to the non-transitory memory and configured to execute instructions to cause the system
to perform operations comprising:

detecting a wireless communication system at a physical merchant location;
establishing a background communication process with the wireless communication system, wherein the background communication
process occurs without user intervention subsequent to detecting the wireless communication system;

providing, through the wireless communication system as part of the background communication process, the encrypted user account
authentication token to a payment provider system;

receiving, through the wireless communication system as part of the background communication process, a payment code generated
by the payment provider system in response to receiving and decrypting the encrypted user account authentication token; and

causing, in a background display process that occurs without user intervention, the payment code to be displayed on a lock
screen of a user device, wherein the payment code is configured to be utilized by a payment processing device at the physical
merchant location to perform a payment transaction using the user payment account.

US Pat. No. 9,501,923

DISTRESS IDENTIFIER TO CAUSE AN ACTION

PayPal, Inc., San Jose, ...

1. A distress identification system comprising:
a non-transitory memory storing a database that includes information associated with a plurality of first identifiers and
information associated with a plurality of second identifiers, wherein the information associated with the plurality of first
identifiers is used for transactions with trusted third-party entities and the information associated with the plurality of
second identifiers is used for transactions with untrusted third-party entities, and wherein the information associated with
the plurality of second identifiers corresponds to one or more defensive actions that are executed based on the information
associated with the plurality of second identifiers; and

one or more hardware processors that execute instructions to cause the system to perform operations comprising:
receiving, from a user via a user input device, information associated with one of the second identifiers in connection with
conducting a transaction with an untrusted third-party entity via the device, wherein the information associated with one
of the second identifiers identifies one or more first defensive actions;

associating the one or more first defensive actions with the transaction in order to track the transaction as the transaction
is processed by a payment service provider;

monitoring each step of the transaction as the transaction is processed by the payment service provider to determine whether
any conditions of the one or more first defensive actions are met; and

upon the transaction meeting a condition of one of the associated defensive actions, executing the at least one associated
defensive action.

US Pat. No. 9,449,208

COMPARTMENTALIZED SMART REFRIGERATOR WITH AUTOMATED ITEM MANAGEMENT

PAYPAL, INC., San Jose, ...

1. A smart refrigerator system, comprising:
a plurality of compartments, each of the compartments having an independent temperature setting and configured to contain
one or more items;

one or more tag readers configured to read one or more tags;
a network interface component coupling the system to a network;
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

receiving item information corresponding to the one or more tag readers reading a tag associated with an item in a first compartment;
determining, in response to the receiving the item information, a target temperature for the item;
adjusting a temperature setting of the first compartment to a first temperature based on the target temperature;
receiving, via the network interface component from a user device, item usage information indicating a time the item is to
be used;

determining the item requires a second temperature to facilitate usage; and
adjusting the temperature setting of the first compartment to the second temperature based on the time the item is to be used.

US Pat. No. 9,424,570

ON-SCREEN CODE STABILIZATION

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a memory device storing motion sensor data; and
one or more processors in communication with the memory device and configured to:
display an on-screen code on a mobile device of a user;
receive the motion sensor data from one or more motion sensors of the mobile device;
detect movements of the mobile device based on the motion sensor data from the one or more motion sensors;
determine the display is turned to face a code scanner based on the movements; and
adjust the on-screen code to compensate for the movements based on the movements in response to determining the display is
turned to face the code scanner.

US Pat. No. 9,275,389

MODULAR DEVICE PAYMENT SYSTEM

PAYPAL, INC., San Jose, ...

1. A modular device payment module, comprising:
a chassis;
at least one modular device connector located on the chassis;
a payment module database storing funding source information and security information;
a plurality of cards that each include a virtual currency wallet;
a virtual machine that is configured to provide access to the virtual currency wallet of each of the plurality of cards;
a hardware processing system coupled to the at least one modular device connector, the payment module database, and the virtual
machine; and

a non-transitory memory system that includes instructions that, when executed by the hardware processing system, provide a
payment module engine that is configured to:

determine that the at least one modular device connector has been connected to a modular device frame of a modular device;
retrieve modular device identifying information from the modular device; and
determine that the modular device identifying information matches an authorized modular device identified by the security
information in the payment module database;

receive a request to access a first virtual currency wallet provided on a first card of the plurality of cards, wherein in
response to the request to access the first virtual currency wallet provided on the first card, the virtual machine presents
a first security layer, the first card presents a second security layer in response to an authentication of the first security
layer, and the first virtual currency wallet presents a third security layer in response to an authentication of the second
security layer;

enable the transmission of at least some of the funding source information from the payment module database to conduct a payment
transaction in response to the modular device identifying information matching the authorized modular device identified by
the security information in the payment module database; and

enable the transmission of virtual currency from the first virtual currency wallet in response to the authentication of the
first security layer, the second security layer, and the third security layer.

US Pat. No. 10,075,533

METHOD AND APPARATUS FOR TRANSFERRING THE STATE OF CONTENT USING SHORT CODES

PAYPAL, INC., San Jose, ...

1. A method comprising:determining a state of content being accessed on a first user device of a first user, the state of the content corresponding to personalized dynamic content of a webpage generated as a response to a first user's request for personalized content from the webpage, the personalized dynamic content corresponding to a state of the webpage the first user ceased accessing the webpage on the first user device;
assigning an identifier to the state of the content;
generating, by a processor of a machine, a code derived from the content and having fewer characters than the identifier;
assigning the code to the state of the content;
mapping the code to the identifier;
storing the code and the state of the content;
causing presentation of the code on the first user device;
receiving an entry of the code by the first user on a second device; and
providing the content to the first user on the second device of the first user based on entry of the code by the first user on the second device such that the first user is able to resume access of the personalized dynamic content on the second device at the state of the webpage at which the first user ceased accessing the webpage on the first user device.

US Pat. No. 10,050,975

SYSTEM AND METHOD FOR TRANSACTION SECURITY ENHANCEMENT

PAYPAL, INC., San Jose, ...

1. A method, comprising:detecting an authentication request at a mobile device;
determining the mobile device is unable to communicate with an authentication entity that is located remotely from the mobile device;
determining the mobile device has a first portion and a second portion different from the first portion, the second portion having a higher level of security than the first portion, wherein a mobile application resides in the first portion, and wherein a secure applet resides in the second portion; and
sending the authentication request to the secure applet in response to determining that the mobile device is unable to communicate with the authentication entity.

US Pat. No. 9,654,923

LOCATION-BASED SERVICES

PayPal, Inc., San Jose, ...

1. A computer-implemented method executing on a mobile device, the method comprising:
executing an application at the mobile device, the application causing display of a user interface at the mobile device;
receiving, electronically over a network on the mobile device, data defining a geofence;
monitoring, via sensors on the mobile device, a current location of the mobile device; and
comparing the current location of the mobile device with boundaries of the geofence;
determining, based on the comparing, that the current location of the mobile device is within the geofence; and
in accordance with determining that the current location is within the geofence, altering a state of the application on the
mobile device, wherein the altering the state of the application includes adding a user-interface element to the user interface,
the user interface element unavailable outside of the geofence, the application stored in memory on the mobile device and
executable on the mobile device.

US Pat. No. 9,589,289

PRIORITIZATION OF THIRD PARTY ACCESS TO AN ONLINE COMMERCE SITE

PAYPAL, INC., San Jose, ...

1. A method comprising:
requesting, by a machine having a memory and at least one processor, an access rule from a server, the server being one of
a plurality of servers of a network-based site providing services, the plurality of servers including a plurality of application
programming interface (API) servers configured to service API function calls received from a client, each API function call
comprising a service request for a corresponding one of the services of the network-based site;

receiving the access rule, the access rule indicating a specific one of the plurality of API servers to be used for accessing
one of the services of the network-based site; and submitting an API function call for one of the services of the network-based
site using the received access rule.

US Pat. No. 9,521,156

METHOD AND PRODUCT FOR PROVIDING A PREDICTIVE SECURITY PRODUCT AND EVALUATING EXISTING SECURITY PRODUCTS

PAYPAL, INC., San Jose, ...

1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory
memory to cause the system to perform operations comprising:

generating malware variants of malware specimens; and
evaluating each of the malware variants based on a maliciousness level and an evasiveness level,
wherein the maliciousness level for a malware variant is determined based on malicious characteristics exhibited by the malware
variant, and

wherein the evasiveness level for the malware variant is determined by submitting the malware variant to a plurality of malware
detection systems to determine evasive characteristics exhibited by the malware variant;

generating detector mechanisms to detect the malicious characteristics and non-malicious characteristics of the malware variants;
and

selecting at least one of the detector mechanisms having a rating above a predetermined level, the rating based on a number
of the malicious characteristics correctly detected, a number of the non-malicious characteristics incorrectly detected, and
a length of at least one of the malicious characteristics correctly detected.

US Pat. No. 9,292,498

DEVICE ORIENTATION BASED TRANSLATION SYSTEM

PAYPAL, INC., San Jose, ...

1. A method for translating content, comprising:
receiving, from a camera on a user device, an image that includes a plurality of text and at least one graphic;
providing for display, on a display of the user device when the user device is in a first orientation that provides the display
in a first aspect ratio, the image as a first content screen that is provided in the first aspect ratio and that includes
the plurality of text and the at least one graphic;

determining, by the user device using character recognition techniques, that the plurality of text included in the image is
associated with a first region display mode;

detecting, using an orientation detection device in the user device, reorientation of the user device from the first orientation
to a predefined orientation of the user device that is rotated relative to the first orientation and that provides the display
in a second aspect ratio that is different than the first aspect ratio and, in response, translating the plurality of text
according to a second region display mode to produce a plurality of translated text; and

providing for display, on the display of the user device, the plurality of translated text and the at least one graphic in
a second content screen that is provided in the second aspect ratio, wherein a structure of the first content screen that
was provided in the first aspect ratio is maintained in the second content screen that is provided in the second aspect ratio
such that the plurality of translated text and the at least one graphic on the second content screen that is provided in the
second aspect ratio have substantially the same sizes and relative locations as the plurality of text and the at least one
graphic on the first content screen that was provided in the first aspect ratio.

US Pat. No. 9,197,634

SERVER AND/OR CLIENT DEVICE AUTHENTICATION

PAYPAL, INC., San Jose, ...

1. A system comprising:
one or more processors; and
one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more
processors are adapted to cause the system to:

send information from a mobile network device to a server, wherein the information comprises a seed that is used by both the
mobile network device and the server to compute a series of one time passwords;

receive, by the mobile network device, a succession of new one time passwords generated by the server throughout a session;
compare, by the mobile network device, each of the received new one time passwords generated by the server throughout the
session to corresponding new one time passwords generated at the mobile network device; and

in response to each of the received new one time passwords generated by the server matching the corresponding new one time
passwords generated at the mobile network device, authenticate the server.